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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL3 years Filed as: LPL FINANCIAL LLC - RPCP Service code 26 · EIN 04-3046611 | Advisory (Participants) | $37,970 |
Filed as: JOHN HANCOCK USA Service code 15 · EIN 01-0233346 | Recordkeeping | $3,910 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,928 | $35,986-2.9% | $77,552-55.0% | $73,497-52.5% |
| Participation rate | 87.5% | 40.8%+46.7pp | 54.2%+33.3pp | 70.7%+16.8pp |
| Annual return | 13.69% | 19.26%-5.6pp | 54.82%-41.1pp | 28.51%-14.8pp |
| Employer contribution / active EE | $775 | $557+39.0% | $987-21.5% | $2,270-65.9% |
| Participant deferral / active EE | $4,187 | $1,198+249.6% | $1,861+125.0% | $3,740+11.9% |
| Admin fee / account holder | $315 | $466-32.4% | $2,859-89.0% | $513-38.6% |