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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $37,390 |
Filed as: LOCKTON INVESTMENT ADVISORS Service code 27 · EIN 20-8874282 | Advisory (Plan) | $23,806 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $63,093 | $35,986+75.3% | $77,513-18.6% | $73,493-14.2% |
| Participation rate | 45.6% | 40.8%+4.8pp | 54.2%-8.6pp | 70.7%-25.1pp |
| Annual return | 10.83% | 19.26%-8.4pp | 54.81%-44.0pp | 28.51%-17.7pp |
| Employer contribution / active EE | $374 | $557-33.0% | $987-62.1% | $2,270-83.5% |
| Participant deferral / active EE | $2,547 | $1,198+112.6% | $1,861+36.8% | $3,740-31.9% |
| Admin fee / account holder | $380 | $466-18.4% | $2,859-86.7% | $513-25.9% |