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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $101,653 |
LPL FINANCIAL2+ years Filed as: LPL FINANCIAL LLC Service code 27 · EIN 04-3046611 | Advisory (Plan) | $54,030 |
CALVIN MARTIN & COMPANY1 year Filed as: CALVIN MARTIN & COMPANY, PLLC Service code 10 · EIN 76-0591623 | Accounting | $27,500 |
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).
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 | $79,321 | $88,770-10.6% | $109,163-27.3% | $93,010-14.7% |
| Participation rate | 34.2% | 81.5%-47.3pp | 75.9%-41.6pp | 73.9%-39.7pp |
| Annual return | 13.36% | 60.64%-47.3pp | 25.75%-12.4pp | 158.70%-145.3pp |
| Employer contribution / active EE | $691 | $3,780-81.7% | $3,723-81.4% | $2,705-74.5% |
| Participant deferral / active EE | $1,976 | $3,630-45.6% | $4,654-57.5% | $4,561-56.7% |
| Admin fee / account holder | $306 | $172+77.8% | $6,754-95.5% | $152+102.0% |