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| Provider | Service type | Compensation |
|---|---|---|
DEMPSEY LORD SMITH LLC1 year Filed as: DEMPSEY LORD SMITH, LLC Service code 26 · EIN 20-4853289 | Advisory (Participants) | $2,413 |
Filed as: JOHN HANCOCK LIFE INS CO Service code 15 · EIN 01-0233346 | Recordkeeping | $42 |
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.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $4,695 | $89,739-94.8% | $149,721-96.9% | $62,293-92.5% |
| Participation rate | 57.9% | 85.1%-27.2pp | 87.1%-29.1pp | 69.5%-11.6pp |
| Annual return | 74.87% | 21.01%+53.9pp | 1501.67%-1426.8pp | 28.90%+46.0pp |
| Employer contribution / active EE | $0 | $3,233-100.0% | $5,444-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,466 | $4,797-69.4% | $6,568-77.7% | $3,169-53.7% |
| Admin fee / account holder | $53 | $551-90.3% | $11,282-99.5% | $479-88.9% |