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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL3 years Filed as: LPL FINANCIAL CORPORATION Service code 27 · EIN 04-3046611 | Advisory (Plan) | $63,185 |
STANCORP FINANCIAL GROUP1 year Service code 12 · EIN 93-1253576 | Recordkeeping and information managem... | $44,227 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $116,737 | $92,186+26.6% | $105,624+10.5% | $77,762+50.1% |
| Participation rate | 38.3% | 81.0%-42.7pp | 75.3%-36.9pp | 70.6%-32.3pp |
| Annual return | 15.40% | 17.83%-2.4pp | 116.20%-100.8pp | 31.27%-15.9pp |
| Employer contribution / active EE | $755 | $3,376-77.6% | $3,168-76.2% | $2,728-72.3% |
| Participant deferral / active EE | $2,977 | $5,395-44.8% | $5,013-40.6% | $4,651-36.0% |
| Admin fee / account holder | $466 | $219+112.8% | $10,961-95.7% | $433+7.7% |