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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL5 years Service code 27 75 STATE STREET · BOSTON, MA 02109 | Advisory (Plan) | $62,004 |
ASCENSUS LLC6 years Service code 15 · EIN 11-3665754 | Recordkeeping | $7,110 |
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 | $68,577 | $102,197-32.9% | $142,516-51.9% | $74,473-7.9% |
| Participation rate | 44.2% | 79.8%-35.7pp | 76.8%-32.6pp | 70.7%-26.6pp |
| Annual return | 18.82% | 19.73%-0.9pp | 20.03%-1.2pp | 34.36%-15.5pp |
| Employer contribution / active EE | $2,712 | $5,052-46.3% | $4,849-44.1% | $2,638+2.8% |
| Participant deferral / active EE | $4,907 | $6,304-22.2% | $6,280-21.9% | $4,530+8.3% |
| Admin fee / account holder | $314 | $186+69.0% | $10,008-96.9% | $347-9.5% |