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| Provider | Service type | Compensation |
|---|---|---|
Service code 60 · EIN 04-2647786 | Sub-TA Fees | $0 |
R F LAFFERTY & CO INC1 year Filed as: RF LAFFERTY AND CO INC Service code 61 · EIN 13-3000887 | Finders' fees / placement fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $36,073 | $58,093-37.9% | $80,022-54.9% | $56,287-35.9% |
| Participation rate | 47.8% | 73.6%-25.8pp | 75.8%-28.0pp | 69.9%-22.0pp |
| Annual return | 0.08% | 34.63%-34.5pp | 11.22%-11.1pp | -9.96%+10.0pp |
| Employer contribution / active EE | $822 | $1,933-57.4% | $2,468-66.7% | $2,111-61.0% |
| Participant deferral / active EE | $2,420 | $3,136-22.8% | $3,686-34.3% | $3,350-27.7% |
| Admin fee / account holder | $20 | $623-96.8% | $6,521-99.7% | $521-96.2% |