Filed December 3, 2025
Sign up free to preview peer percentile detail
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview 10-year trajectory
Free accounts unlock saves, downloads, and 3-year history.
| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1 year Filed as: LPL FINANCIAL LLC Service code 55 · EIN 04-3046611 | Other Commissions | $6,900 |
Service code 37 · EIN 04-2647786 | Loan Processing | $2,081 |
MSI FINANCIAL SERVICES INC.2 years Filed as: MSI FINANCIAL SERVICES INC Service code 55 · EIN 13-3175978 | Other Commissions | $1,962 |
NATIONAL FINANCIAL SERVICES2 years Filed as: NATIONAL FINANCIAL SERVICES LLC Service code 61 · EIN 04-3523567 | Finders' fees / placement fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,803 | $58,726-57.8% | $92,240-73.1% | $62,293-60.2% |
| Participation rate | 61.6% | 68.3%-6.7pp | 76.5%-14.8pp | 69.5%-7.9pp |
| Annual return | 16.88% | 43.62%-26.7pp | 176.29%-159.4pp | 28.90%-12.0pp |
| Employer contribution / active EE | $163 | $2,392-93.2% | $3,680-95.6% | $2,042-92.0% |
| Participant deferral / active EE | $1,612 | $2,766-41.7% | $3,897-58.6% | $3,169-49.1% |
| Admin fee / account holder | $11 | $556-98.0% | $5,194-99.8% | $479-97.7% |