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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL2+ years Filed as: LPL FINANCIAL RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $21,234 |
THE VANGUARD GROUP, INC.2+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $12,581 |
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.
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.
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 | $62,180 | $72,620-14.4% | $90,756-31.5% | $66,930-7.1% |
| Participation rate | 43.3% | 73.7%-30.4pp | 75.7%-32.4pp | 69.8%-26.5pp |
| Annual return | -19.21% | -12.28%-6.9pp | -12.16%-7.1pp | 1.57%-20.8pp |
| Employer contribution / active EE | $286 | $2,369-87.9% | $2,922-90.2% | $2,545-88.8% |
| Participant deferral / active EE | $2,818 | $3,979-29.2% | $4,565-38.3% | $4,238-33.5% |
| Admin fee / account holder | $384 | $707-45.7% | $8,445-95.4% | $593-35.2% |