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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 | $11,482 |
Filed as: HUMAN INTEREST, INC Service code 15 300 MONTGOMERY STREET · SAN FRANCISCO, CA 94104 | Recordkeeping | $1,454 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,082 | $99,957-79.9% | $149,745-86.6% | $73,497-72.7% |
| Participation rate | 52.2% | 75.7%-23.5pp | 82.5%-30.3pp | 70.7%-18.5pp |
| Annual return | 30.33% | 53.87%-23.5pp | 276.72%-246.4pp | 28.51%+1.8pp |
| Employer contribution / active EE | $0 | $3,191-100.0% | $4,646-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $9,262 | $6,073+52.5% | $6,843+35.4% | $3,740+147.7% |
| Admin fee / account holder | $87 | $551-84.2% | $9,312-99.1% | $513-83.0% |