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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL3 years Filed as: LPL FINANCIAL LLC Service code 49 · EIN 95-2834236 | Other Services | $8,561 |
PRINCIPAL LIFE INSURANCE COMPANY7+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $3,899 |
WILSHIRE ASSOCIATES INCORPORATED7+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,127 | $78,670-41.4% | $109,173-57.7% | $85,847-46.3% |
| Participation rate | 43.2% | 68.3%-25.1pp | 75.9%-32.7pp | 69.3%-26.2pp |
| Annual return | 11.17% | 25.09%-13.9pp | 25.75%-14.6pp | 318.61%-307.4pp |
| Employer contribution / active EE | $0 | $2,734-100.0% | $3,723-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $3,018 | $3,467-12.9% | $4,654-35.1% | $3,952-23.6% |
| Admin fee / account holder | $71 | $5,469-98.7% | $6,755-99.0% | $6,261-98.9% |