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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL7 years Service code 16 · EIN 04-3046611 | Consulting | $52,311 |
Service code 15 · EIN 13-3689044 | Recordkeeping | $50,224 |
BD & ASSOCIATES CPAS, PLLC2 years Filed as: BD AND ASSOCIATES CPAS, PLLC Service code 10 · EIN 27-4279115 | Accounting | $8,500 |
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.
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 | $46,525 | $106,264-56.2% | $147,117-68.4% | $77,762-40.2% |
| Participation rate | 47.3% | 78.4%-31.1pp | 82.2%-34.8pp | 70.6%-23.3pp |
| Annual return | 5.30% | 56.94%-51.6pp | 420.54%-415.2pp | 31.27%-26.0pp |
| Employer contribution / active EE | $904 | $4,074-77.8% | $4,932-81.7% | $2,728-66.9% |
| Participant deferral / active EE | $2,584 | $8,003-67.7% | $8,065-68.0% | $4,651-44.4% |
| Admin fee / account holder | $386 | $334+15.3% | $12,993-97.0% | $433-10.9% |