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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1 year Filed as: LPL FINANCIAL RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $54,684 |
ASCENSUS LLC1 year Service code 15 · EIN 11-3665754 | Recordkeeping | $11,911 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $58,746 | $64,457-8.9% | $111,392-47.3% | $55,725+5.4% |
| Participation rate | 40.0% | 79.7%-39.7pp | 78.9%-38.9pp | 70.9%-30.9pp |
| Annual return | -7.10% | -19.97%+12.9pp | -2.06%-5.0pp | 244.93%-252.0pp |
| Employer contribution / active EE | $1,896 | $3,956-52.1% | $4,328-56.2% | $2,078-8.8% |
| Participant deferral / active EE | $3,024 | $5,219-42.1% | $5,567-45.7% | $3,356-9.9% |
| Admin fee / account holder | $360 | $112+221.5% | $12,266-97.1% | $115+212.5% |