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| Provider | Service type | Compensation |
|---|---|---|
DEMPSEY LORD SMITH LLC2 years Filed as: DEMPSEY LORD SMITH, LLC Service code 26 · EIN 20-4853289 | Advisory (Participants) | $6,772 |
Filed as: JOHN HANCOCK LIFE INS CO Service code 15 · EIN 01-0233346 | Recordkeeping | $629 |
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).
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 | $6,046 | $270,840-97.8% | $140,019-95.7% | - |
| Participation rate | 61.0% | 81.0%-19.9pp | 87.5%-26.5pp | - |
| Annual return | 7.82% | 3.44%+4.4pp | 651.17%-643.3pp | - |
| Employer contribution / active EE | $0 | $2,598-100.0% | $5,605-100.0% | - |
| Participant deferral / active EE | $2,232 | $3,773-40.9% | $6,927-67.8% | - |
| Admin fee / account holder | $96 | $13,391-99.3% | $10,705-99.1% | - |