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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1 year Filed as: LPL FINANCIAL LLC Service code 55 · EIN 95-2834236 | Other Commissions | $3,891 |
Service code 37 · EIN 04-2647786 | Loan Processing | $213 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 | $45,090 | $52,884-14.7% | $84,753-46.8% | $55,167-18.3% |
| Participation rate | 49.2% | 67.5%-18.3pp | 76.6%-27.4pp | 69.0%-19.8pp |
| Annual return | 4.69% | 18.03%-13.3pp | 22.78%-18.1pp | 169.23%-164.5pp |
| Employer contribution / active EE | $819 | $2,233-63.3% | $3,574-77.1% | $1,963-58.3% |
| Participant deferral / active EE | $1,809 | $2,644-31.6% | $3,712-51.3% | $3,054-40.8% |
| Admin fee / account holder | $3 | $581-99.5% | $5,333-99.9% | $504-99.4% |