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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL2 years Filed as: LPL FINANCIAL LLC - RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $10,057 |
PRINCIPAL LIFE INSURANCE COMPANY5+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $600 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $24,972 | $54,573-54.2% | $90,965-72.5% | $73,493-66.0% |
| Participation rate | 34.7% | 61.2%-26.5pp | 69.0%-34.3pp | 70.7%-36.0pp |
| Annual return | 16.40% | 16.69%-0.3pp | 134.57%-118.2pp | 28.51%-12.1pp |
| Employer contribution / active EE | $532 | $991-46.3% | $2,122-74.9% | $2,270-76.5% |
| Participant deferral / active EE | $895 | $2,517-64.4% | $3,373-73.5% | $3,740-76.1% |
| Admin fee / account holder | $116 | $521-77.8% | $5,960-98.1% | $513-77.4% |