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| Provider | Service type | Compensation |
|---|---|---|
Service code 12 · EIN 13-3689044 | Float revenue; Account maintenance fe... | $94,225 |
LOCKTON INVESTMENT ADVISORS, LLC4+ years Filed as: LOCKTON FINANCIAL ADVISORS, LLC Service code 16 PO BOX 219153 · KANSAS CITY, MO 64121 | Consulting | $28,182 |
MID ATLANTIC CAPITAL CORPORATION4+ years Service code 33 · EIN 25-1409618 | Securities brokerage commissions and ... | $0 |
NATIONAL FINANCIAL SERVICES4+ years Service code 33 · EIN 04-3523567 | Securities brokerage commissions and ... | $0 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $84,621 | $86,341-2.0% | $125,195-32.4% | $65,186+29.8% |
| Participation rate | 62.6% | 75.3%-12.7pp | 79.8%-17.2pp | 70.2%-7.6pp |
| Annual return | 2.27% | 27.44%-25.2pp | 43.79%-41.5pp | 29.39%-27.1pp |
| Employer contribution / active EE | $908 | $2,040-55.5% | $3,866-76.5% | $2,177-58.3% |
| Participant deferral / active EE | $1,643 | $3,538-53.6% | $4,937-66.7% | $3,514-53.2% |
| Admin fee / account holder | $391 | $609-35.8% | $9,704-96.0% | $847-53.9% |