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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL2+ years Filed as: LPL FINANCIAL, LLC Service code 22 9785 TOWNE CENTRE DRIVE · SAN DIEGO, CA 92121 | Insurance Broker | $25,100 |
NATIONWIDE2+ years Service code 15 · EIN 31-4156830 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215 | Recordkeeping | $14,633 |
JADE PLAN SERVICES2+ years Filed as: JADE PLAN SERVICES, INC. Service code 13 · EIN 75-1808704 PO BOX 470185 · SAN DIEGO, CA 92121 | Contract Administrator | $3,165 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $72,152 | $52,884+36.4% | $84,753-14.9% | $55,167+30.8% |
| Participation rate | 42.9% | 67.5%-24.6pp | 76.6%-33.6pp | 69.0%-26.0pp |
| Annual return | 6.58% | 18.03%-11.4pp | 22.78%-16.2pp | 169.23%-162.6pp |
| Employer contribution / active EE | $296 | $2,233-86.7% | $3,574-91.7% | $1,963-84.9% |
| Participant deferral / active EE | $1,590 | $2,644-39.9% | $3,712-57.2% | $3,054-47.9% |
| Admin fee / account holder | $588 | $581+1.2% | $5,333-89.0% | $504+16.6% |