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| Provider | Service type | Compensation |
|---|---|---|
FIRST MERCANTILE TRUST COMPANY3+ years Service code 53 · EIN 62-0951563 | Insurance Commissions | $40,736 |
LPL FINANCIAL3+ years Filed as: LPL FINANCIAL SERVICES Service code 53 · EIN 62-0951563 | Insurance Commissions | $29,097 |
Filed as: DYATECH Service code 15 · EIN 64-0936231 | Recordkeeping | $2,910 |
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.
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 | $7,820 | $88,730-91.2% | $82,313-90.5% | $77,958-90.0% |
| Participation rate | 43.6% | 84.5%-40.9pp | 76.9%-33.2pp | 71.6%-28.0pp |
| Annual return | 15.32% | 20.88%-5.6pp | 25.88%-10.6pp | 20.87%-5.5pp |
| Employer contribution / active EE | $0 | $2,758-100.0% | $2,428-100.0% | $2,310-100.0% |
| Participant deferral / active EE | $513 | $4,634-88.9% | $3,706-86.1% | $3,537-85.5% |
| Admin fee / account holder | $1 | $74-99.1% | $5,608-100.0% | $97-99.3% |