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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL2 years Service code 27 75 STATE STREET · BOSTON, MA 02109 | Advisory (Plan) | $55,781 |
ASCENSUS LLC3 years Service code 15 · EIN 11-3665754 | Recordkeeping | $5,400 |
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 | $61,822 | $72,554-14.8% | $138,135-55.2% | $73,497-15.9% |
| Participation rate | 46.7% | 74.8%-28.1pp | 78.7%-32.0pp | 70.7%-24.0pp |
| Annual return | 8.75% | 17.50%-8.8pp | 20.51%-11.8pp | 28.51%-19.8pp |
| Employer contribution / active EE | $1,810 | $3,511-48.5% | $5,587-67.6% | $2,270-20.3% |
| Participant deferral / active EE | $3,490 | $4,908-28.9% | $6,431-45.7% | $3,740-6.7% |
| Admin fee / account holder | $306 | $464-34.1% | $11,856-97.4% | $513-40.4% |