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| Provider | Service type | Compensation |
|---|---|---|
LOCKTON INVESTMENT ADVISORS, LLC2+ years Service code 15 · EIN 20-8874282 | Recordkeeping | $21,937 |
ADP BROKER-DEALER2+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $7,473 |
ADP BROKER-DEALER2+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $43,074 | $75,183-42.7% | $123,894-65.2% | $55,167-21.9% |
| Participation rate | 46.7% | 72.8%-26.1pp | 81.4%-34.7pp | 69.0%-22.3pp |
| Annual return | 10.08% | 19.01%-8.9pp | 47.52%-37.4pp | 169.23%-159.1pp |
| Employer contribution / active EE | $1,053 | $2,823-62.7% | $4,617-77.2% | $1,963-46.4% |
| Participant deferral / active EE | $2,861 | $5,084-43.7% | $5,984-52.2% | $3,054-6.3% |
| Admin fee / account holder | $239 | $663-63.9% | $8,357-97.1% | $504-52.5% |