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| Provider | Service type | Compensation |
|---|---|---|
Service code 52 · EIN 04-1590850 | Indirect Investment Fees | $218,207 |
LOCKTON INVESTMENT ADVISORS, LLC1+ years Filed as: LOCKTON FINANCIAL ADVISORS LLC Service code 53 · EIN 20-3247391 | Insurance Commissions | $10,315 |
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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $56,365 | $80,211-29.7% | $74,184-24.0% | $63,975-11.9% |
| Participation rate | 42.5% | 84.2%-41.7pp | 76.6%-34.1pp | 71.1%-28.7pp |
| Annual return | 20.89% | 14.13%+6.8pp | 17.74%+3.1pp | 48.65%-27.8pp |
| Employer contribution / active EE | $775 | $2,553-69.6% | $2,370-67.3% | $2,182-64.5% |
| Participant deferral / active EE | $1,633 | $4,370-62.6% | $3,550-54.0% | $3,356-51.4% |
| Admin fee / account holder | $348 | $67+417.2% | $5,586-93.8% | $70+393.5% |