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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1 year Service code 27 | Advisory (Plan) | $3,151 |
Filed as: HCS RETIREMENT SERVICES LLC Service code 13 | Contract Administrator | $2,287 |
Service code 13 | Contract Administrator | $1,314 |
Service code 64 | Recordkeeping Fees | $653 |
Service code 66 | Insurance mortality and expense charg... | $262 |
Filed as: EMPOWER RETIREMENT ADVISORY SERVICE Service code 28 | Investment Management | $2 |
Filed as: AMERICAN UNITED LIFE INSURANCE COMP Service code 15 · EIN 35-0145825 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,449 | $60,165-42.7% | $74,184-53.6% | $55,167-37.6% |
| Participation rate | 28.7% | 74.2%-45.4pp | 76.6%-47.9pp | 69.0%-40.3pp |
| Annual return | 14.63% | 10.00%+4.6pp | 17.74%-3.1pp | 169.23%-154.6pp |
| Employer contribution / active EE | $666 | $1,600-58.4% | $2,370-71.9% | $1,963-66.1% |
| Participant deferral / active EE | $1,123 | $2,973-62.2% | $3,550-68.4% | $3,054-63.2% |
| Admin fee / account holder | $46 | $419-89.1% | $5,586-99.2% | $504-90.9% |