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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL2+ years Filed as: LION STREET FINANCIAL LLC Service code 27 · EIN 80-0946231 | Advisory (Plan) | $25,000 |
Service code 37 · EIN 04-2647786 | Loan Processing | $10,782 |
CARON & BLETZER, PLLC1 year Filed as: CARON & BLETZER LLC Service code 10 · EIN 04-3499945 | Accounting | $7,300 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $162,349 | $49,138+230.4% | $84,021+93.2% | $65,185+149.1% |
| Participation rate | 56.4% | 60.7%-4.4pp | 69.0%-12.7pp | 70.2%-13.8pp |
| Annual return | 21.80% | 23.00%-1.2pp | 71.32%-49.5pp | 29.38%-7.6pp |
| Employer contribution / active EE | $0 | $914-100.0% | $1,984-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $3,332 | $2,397+39.0% | $3,239+2.9% | $3,514-5.2% |
| Admin fee / account holder | $444 | $543-18.3% | $6,102-92.7% | $847-47.6% |