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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $53,572 |
DOWNEY & COMPANY, LLP1 year Filed as: DOWNEY & COMPANY LLP Service code 10 · EIN 04-3106302 | Accounting | $11,960 |
LPL FINANCIAL1 year Filed as: LPL FINANCIAL LLC - RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $6,975 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $67,571 | $98,776-31.6% | $149,745-54.9% | $79,856-15.4% |
| Participation rate | 18.3% | 75.8%-57.5pp | 82.5%-64.1pp | 69.6%-51.3pp |
| Annual return | 9.02% | 27.38%-18.4pp | 276.72%-267.7pp | 31.71%-22.7pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,646-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,828 | $5,681-50.2% | $6,843-58.7% | $3,741-24.4% |
| Admin fee / account holder | $1,145 | $6,053-81.1% | $9,312-87.7% | $5,306-78.4% |