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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL5 years Filed as: LPL FINANCIAL LLC Service code 49 · EIN 95-2834236 | Other Services | $12,838 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $9,815 |
Filed as: WILSHIRE ASSOCAITES INCORPORATED Service code 27 | Advisory (Plan) | $0 |
Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $33,536 | $52,293-35.9% | $178,503-81.2% | $73,412-54.3% |
| Participation rate | 24.0% | 65.3%-41.3pp | 81.9%-57.9pp | 72.2%-48.2pp |
| Annual return | 10.50% | 34.75%-24.3pp | 151.12%-140.6pp | 59.30%-48.8pp |
| Employer contribution / active EE | $338 | $1,736-80.5% | $5,011-93.3% | $2,234-84.9% |
| Participant deferral / active EE | $1,366 | $2,333-41.5% | $5,202-73.7% | $3,806-64.1% |
| Admin fee / account holder | $122 | $127-4.3% | $13,987-99.1% | $158-22.8% |