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| Provider | Service type | Compensation |
|---|---|---|
Service code 60 · EIN 04-2647786 | Sub-TA Fees | $6,699 |
HIGHTOWER ADVISORS LLC1 year Filed as: HIGHTOWER SECURITIES LLC Service code 27 · EIN 36-4500709 | Advisory (Plan) | $5,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $4,874 | $42,396-88.5% | $67,313-92.8% | $56,289-91.3% |
| Participation rate | 58.7% | 61.0%-2.3pp | 69.1%-10.4pp | 69.9%-11.2pp |
| Annual return | -23.77% | -36.63%+12.9pp | -4.08%-19.7pp | -9.96%-13.8pp |
| Employer contribution / active EE | $964 | $1,414-31.8% | $2,566-62.4% | $2,111-54.4% |
| Participant deferral / active EE | $1,321 | $2,360-44.0% | $3,568-63.0% | $3,350-60.6% |
| Admin fee / account holder | $95 | $510-81.3% | $4,507-97.9% | $521-81.7% |