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| Provider | Service type | Compensation |
|---|---|---|
LT TRUST COMPANY1 year Filed as: LT TRUST Service code 15 PO BOX 5508 · DENVER, CO 80217 | Recordkeeping | $7,229 |
Filed as: HUMAN INTEREST, INC. Service code 15 300 MONTGOMERY STREET · SAN FRANCISCO, CA 94104 | Recordkeeping | $1,130 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,904 | $54,573-80.0% | $90,970-88.0% | $73,493-85.2% |
| Participation rate | 68.2% | 61.2%+7.0pp | 69.0%-0.8pp | 70.7%-2.5pp |
| Annual return | 31.31% | 16.69%+14.6pp | 134.58%-103.3pp | 28.51%+2.8pp |
| Employer contribution / active EE | $0 | $991-100.0% | $2,122-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,939 | $2,517+16.8% | $3,373-12.9% | $3,740-21.4% |
| Admin fee / account holder | $47 | $521-91.0% | $5,960-99.2% | $513-90.9% |