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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL6 years Service code 27 75 STATE STREET · BOSTON, MA 02109 | Advisory (Plan) | $81,544 |
ASCENSUS LLC7 years Service code 15 · EIN 11-3665754 | Recordkeeping | $7,280 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $78,694 | $96,805-18.7% | $153,741-48.8% | $77,762+1.2% |
| Participation rate | 49.0% | 81.6%-32.6pp | 77.1%-28.1pp | 70.6%-21.6pp |
| Annual return | 13.23% | 14.39%-1.2pp | 15.71%-2.5pp | 31.27%-18.0pp |
| Employer contribution / active EE | $2,988 | $5,232-42.9% | $5,042-40.7% | $2,728+9.5% |
| Participant deferral / active EE | $5,390 | $6,601-18.3% | $6,757-20.2% | $4,651+15.9% |
| Admin fee / account holder | $369 | $182+102.3% | $12,749-97.1% | $433-14.9% |