Filed June 18, 2019
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| Provider | Service type | Compensation |
|---|---|---|
PROACCOUNT1 year Service code 26 · EIN 73-0988440 | Advisory (Participants) | $18,896 |
LPL FINANCIAL5 years Filed as: LPL FINANCIAL LLC-RPCP Service code 27 · EIN 95-2834236 RPCP COMPENSATION PROCESSING · SAN DIEGO, CA 921502533 | Advisory (Plan) | $8,344 |
Filed as: LIDEN, NESTLE, SOLED & ASSOC., INC. Service code 15 · EIN 77-0204740 2535 TOWNSGATE ROAD · WESTLAKE VILLAGE, CA 91361 | Recordkeeping | $1,100 |
NATIONWIDE10+ years Service code 15 · EIN 31-4156830 ONE NATIONWIDE PLAZA · COLUMBUS, OH 43215 | Recordkeeping | $1,084 |
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 | $103,724 | $80,748+28.5% | $102,383+1.3% | $74,429+39.4% |
| Participation rate | 41.5% | 65.7%-24.2pp | 74.5%-33.0pp | 67.2%-25.7pp |
| Annual return | 10.15% | 27.57%-17.4pp | 24.94%-14.8pp | 1368.38%-1358.2pp |
| Employer contribution / active EE | $406 | $3,159-87.1% | $3,870-89.5% | $2,625-84.5% |
| Participant deferral / active EE | $3,419 | $3,861-11.4% | $5,060-32.4% | $4,348-21.4% |
| Admin fee / account holder | $471 | $2,371-80.1% | $8,391-94.4% | $1,944-75.8% |