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| Provider | Service type | Compensation |
|---|---|---|
PENTEGRA SERVICES, INC.2 years Filed as: PENTEGRA SERVICES INC Service code 13 · EIN 13-3745616 | Contract Administrator | $9,120 |
LPL FINANCIAL2 years Filed as: LPL FINANCIAL LLC Service code 27 · EIN 04-3046611 | Advisory (Plan) | $8,917 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $23,276 | $73,638-68.4% | $95,964-75.7% | $73,497-68.3% |
| Participation rate | 52.5% | 76.2%-23.6pp | 77.1%-24.5pp | 70.7%-18.1pp |
| Annual return | 19.28% | 16.78%+2.5pp | 91.64%-72.4pp | 28.51%-9.2pp |
| Employer contribution / active EE | $1,143 | $1,863-38.6% | $2,541-55.0% | $2,270-49.6% |
| Participant deferral / active EE | $2,721 | $3,617-24.8% | $4,167-34.7% | $3,740-27.2% |
| Admin fee / account holder | $238 | $482-50.7% | $6,797-96.5% | $513-53.7% |