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| Provider | Service type | Compensation |
|---|---|---|
LT TRUST COMPANY2 years Filed as: LT TRUST Service code 12 · EIN 61-1607607 | Claims processing; Custodial (other t... | $7,036 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $5,352 | $99,957-94.6% | $149,715-96.4% | $73,493-92.7% |
| Participation rate | 51.5% | 75.7%-24.2pp | 82.5%-31.0pp | 70.7%-19.2pp |
| Annual return | 8.46% | 53.87%-45.4pp | 276.66%-268.2pp | 28.51%-20.0pp |
| Employer contribution / active EE | $0 | $3,191-100.0% | $4,645-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $1,460 | $6,073-76.0% | $6,842-78.7% | $3,740-61.0% |
| Admin fee / account holder | $49 | $551-91.1% | $9,310-99.5% | $513-90.5% |