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| Provider | Service type | Compensation |
|---|---|---|
Service code 49 · EIN 04-1590850 | Other Services | $70,869 |
LPL FINANCIAL2 years Service code 27 · EIN 04-3046611 | Advisory (Plan) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $81,301 | $63,114+28.8% | $92,903-12.5% | $65,185+24.7% |
| Participation rate | 87.6% | 68.8%+18.8pp | 76.0%+11.6pp | 70.2%+17.4pp |
| Annual return | 3.80% | 28.75%-25.0pp | 109.43%-105.6pp | 29.38%-25.6pp |
| Employer contribution / active EE | $4,258 | $2,571+65.6% | $3,653+16.6% | $2,177+95.6% |
| Participant deferral / active EE | $2,538 | $3,108-18.3% | $4,238-40.1% | $3,514-27.8% |
| Admin fee / account holder | $496 | $624-20.5% | $5,795-91.4% | $847-41.5% |