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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1 year Filed as: LPL FINANCIAL LLC Service code 27 · EIN 04-3046611 | Advisory (Plan) | $31,605 |
Filed as: ELLSWORTH & STOUT LLC Service code 10 · EIN 26-1629859 | Accounting | $8,500 |
Service code 27 · EIN 43-1451524 | Advisory (Plan) | $5,043 |
Service code 37 · EIN 04-2647786 | Loan Processing | $4,258 |
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.)
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 | $102,883 | $69,745+47.5% | $67,511+52.4% | $74,546+38.0% |
| Participation rate | 46.8% | 71.3%-24.5pp | 72.9%-26.1pp | 67.2%-20.4pp |
| Annual return | 10.15% | -40.37%+50.5pp | 3517.41%-3507.3pp | 1366.03%-1355.9pp |
| Employer contribution / active EE | $1,902 | $2,705-29.7% | $2,733-30.4% | $2,624-27.5% |
| Participant deferral / active EE | $3,484 | $3,636-4.2% | $4,000-12.9% | $4,347-19.9% |
| Admin fee / account holder | $411 | $894-54.0% | $3,999-89.7% | $1,944-78.8% |