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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL2 years Service code 15 · EIN 04-3046611 | Recordkeeping | $12,167 |
ADP BROKER-DEALER6 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $6,924 |
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.
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 | $29,351 | $56,047-47.6% | $98,716-70.3% | $79,634-63.1% |
| Participation rate | 15.2% | 54.6%-39.5pp | 69.3%-54.1pp | 62.5%-47.3pp |
| Annual return | 13.20% | 17.58%-4.4pp | 31.81%-18.6pp | 36.46%-23.3pp |
| Employer contribution / active EE | $155 | $1,237-87.5% | $2,279-93.2% | $2,529-93.9% |
| Participant deferral / active EE | $638 | $2,469-74.2% | $4,048-84.2% | $3,835-83.4% |
| Admin fee / account holder | $123 | $1,512-91.9% | $8,703-98.6% | $1,002-87.7% |