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| Provider | Service type | Compensation |
|---|---|---|
Filed as: LAWRENCE P. LEMIEUX LLC Service code 10 · EIN 06-1634601 | Accounting | $27,675 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $12,394 |
Service code 13 · EIN 39-1816008 | Contract Administrator | $6,936 |
Filed as: WILLSHIRE ASSOCIATES INCORPORATED Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Service code 27 | Advisory (Plan) | $0 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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).
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 | $12,313 | $37,196-66.9% | $154,108-92.0% | $55,725-77.9% |
| Participation rate | 27.2% | 64.1%-36.9pp | 83.0%-55.8pp | 70.9%-43.6pp |
| Annual return | -4.50% | 1319.68%-1324.2pp | 735.21%-739.7pp | 244.93%-249.4pp |
| Employer contribution / active EE | $0 | $1,614-100.0% | $5,298-100.0% | $2,078-100.0% |
| Participant deferral / active EE | $513 | $2,068-75.2% | $5,081-89.9% | $3,356-84.7% |
| Admin fee / account holder | $418 | $102+311.2% | $13,411-96.9% | $115+262.7% |