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| Provider | Service type | Compensation |
|---|---|---|
LT TRUST COMPANY1 year Service code 15 · EIN 61-1607607 5975 S. QUEBEC, SUITE 330 · CENTENNIAL, CO 80111 | Recordkeeping | $9,188 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,619 | $44,714-60.6% | $91,225-80.7% | $66,930-73.7% |
| Participation rate | 60.0% | 65.0%-5.0pp | 73.2%-13.2pp | 69.8%-9.8pp |
| Annual return | -22.45% | -12.25%-10.2pp | 114.10%-136.5pp | 1.57%-24.0pp |
| Employer contribution / active EE | $2,284 | $1,710+33.6% | $2,851-19.9% | $2,545-10.2% |
| Participant deferral / active EE | $4,407 | $3,355+31.3% | $4,234+4.1% | $4,238+4.0% |
| Admin fee / account holder | $64 | $521-87.7% | $5,422-98.8% | $593-89.2% |