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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1 year Filed as: LPL FINANCIAL CORPORATION Service code 99 · EIN 04-3046611 | Other Fees | $0 |
Service code 49 · EIN 77-0573145 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $67,252 | $64,176+4.8% | $112,263-40.1% | $66,949+0.5% |
| Participation rate | 63.0% | 68.4%-5.4pp | 75.1%-12.0pp | 69.8%-6.8pp |
| Annual return | -17.67% | -13.80%-3.9pp | 27.49%-45.2pp | 1.57%-19.2pp |
| Employer contribution / active EE | $2,764 | $3,007-8.1% | $3,636-24.0% | $2,545+8.6% |
| Participant deferral / active EE | $6,195 | $3,694+67.7% | $4,729+31.0% | $4,239+46.1% |
| Admin fee / account holder | $574 | $626-8.2% | $6,410-91.0% | $594-3.2% |