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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC3 years Service code 15 · EIN 11-3665754 | Recordkeeping | $20,585 |
LPL FINANCIAL3 years Filed as: LPL FINANCIAL RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $13,597 |
PSK LLP1 year Service code 10 · EIN 75-1486711 | Accounting | $8,500 |
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.
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $11,492 | $55,902-79.4% | $76,030-84.9% | $80,959-85.8% |
| Participation rate | 31.6% | 62.1%-30.4pp | 69.1%-37.4pp | 67.7%-36.0pp |
| Annual return | 7.02% | 20.59%-13.6pp | 361.54%-354.5pp | 35.67%-28.6pp |
| Employer contribution / active EE | $207 | $1,867-88.9% | $2,688-92.3% | $2,757-92.5% |
| Participant deferral / active EE | $2,128 | $3,051-30.2% | $4,257-50.0% | $4,300-50.5% |
| Admin fee / account holder | $199 | $5,239-96.2% | $6,421-96.9% | $6,925-97.1% |