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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC2 years Service code 15 · EIN 11-3665754 | Recordkeeping | $35,706 |
LPL FINANCIAL2 years Filed as: LPL FINANCIAL RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $13,241 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $10,060 | $51,083-80.3% | $70,548-85.7% | $71,495-85.9% |
| Participation rate | 26.0% | 59.4%-33.4pp | 68.3%-42.4pp | 67.9%-42.0pp |
| Annual return | 8.58% | 42.64%-34.1pp | 32.78%-24.2pp | 28.85%-20.3pp |
| Employer contribution / active EE | $1,496 | $1,791-16.5% | $2,975-49.7% | $2,589-42.2% |
| Participant deferral / active EE | $2,624 | $3,028-13.3% | $4,567-42.6% | $4,291-38.9% |
| Admin fee / account holder | $204 | $1,995-89.8% | $6,424-96.8% | $1,588-87.2% |