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| Provider | Service type | Compensation |
|---|---|---|
LWM ADVISORY SERVICES, LLC2 years Filed as: LWM ADVISORY SERVICES Service code 27 · EIN 47-1045931 | Advisory (Plan) | $10,042 |
THE VANGUARD GROUP, INC.4+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $4,018 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,061 | $88,186-82.9% | $165,071-90.9% | $74,459-79.8% |
| Participation rate | 69.7% | 73.1%-3.4pp | 78.6%-8.9pp | 67.2%+2.5pp |
| Annual return | 12.72% | 17.13%-4.4pp | 70.17%-57.5pp | 1369.70%-1357.0pp |
| Employer contribution / active EE | $780 | $2,600-70.0% | $4,347-82.1% | $2,626-70.3% |
| Participant deferral / active EE | $3,234 | $4,505-28.2% | $6,035-46.4% | $4,350-25.7% |
| Admin fee / account holder | $87 | $2,234-96.1% | $12,695-99.3% | $1,945-95.5% |