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| Provider | Service type | Compensation |
|---|---|---|
T. E. LOTT AND COMPANY1 year Filed as: T.E LOTT & COMPANY Service code 49 | Other Services | $13,000 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $7,075 |
MORNINGSTAR1 year Filed as: MORNINGSTAR INVESTMENT MANAGEMENT Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
T. E. LOTT AND COMPANY1 year Filed as: T.E. LOTT & COMPANY Service code 49 · EIN 64-0575804 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,921 | $55,472-24.4% | $155,567-73.1% | $74,546-43.8% |
| Participation rate | 69.1% | 61.9%+7.2pp | 78.2%-9.1pp | 67.2%+1.9pp |
| Annual return | 18.03% | 268.72%-250.7pp | 64.74%-46.7pp | 1366.03%-1348.0pp |
| Employer contribution / active EE | $1,847 | $2,269-18.6% | $4,674-60.5% | $2,624-29.6% |
| Participant deferral / active EE | $2,691 | $2,838-5.2% | $5,628-52.2% | $4,347-38.1% |
| Admin fee / account holder | $44 | $1,743-97.5% | $15,916-99.7% | $1,944-97.7% |