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| Provider | Service type | Compensation |
|---|---|---|
Filed as: LOCKTON INVESTMENT ADVISORS Service code 27 · EIN 20-8874282 | Advisory (Plan) | $36,871 |
Service code 60 · EIN 04-2647786 | Sub-TA Fees | $26,189 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $161,659 | $65,440+147.0% | $98,506+64.1% | $85,851+88.3% |
| Participation rate | 95.0% | 65.0%+30.0pp | 73.3%+21.7pp | 69.3%+25.7pp |
| Annual return | 7.82% | 21.75%-13.9pp | 1494.92%-1487.1pp | 318.63%-310.8pp |
| Employer contribution / active EE | $3,478 | $2,169+60.3% | $2,961+17.5% | $2,565+35.6% |
| Participant deferral / active EE | $5,585 | $3,168+76.3% | $4,277+30.6% | $3,952+41.3% |
| Admin fee / account holder | $601 | $4,596-86.9% | $5,955-89.9% | $6,261-90.4% |