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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1 year Filed as: LPL FINANCIAL LLC Service code 27 · EIN 95-2834236 | Advisory (Plan) | $16,537 |
Service code 37 · EIN 04-2647786 | Loan Processing | $1,762 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $19,423 | $65,820-70.5% | $108,745-82.1% | $57,658-66.3% |
| Participation rate | 69.5% | 72.7%-3.2pp | 77.7%-8.1pp | 70.2%-0.7pp |
| Annual return | 14.24% | 21.32%-7.1pp | 46.22%-32.0pp | 5.13%+9.1pp |
| Employer contribution / active EE | $263 | $2,285-88.5% | $3,323-92.1% | $1,974-86.7% |
| Participant deferral / active EE | $2,644 | $3,578-26.1% | $5,121-48.4% | $3,061-13.6% |
| Admin fee / account holder | $33 | $91-64.1% | $6,144-99.5% | $95-65.4% |