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| Provider | Service type | Compensation |
|---|---|---|
AMERICA'S 401K, INC.2 years Filed as: AMERICA'S BEST 401(K) Service code 26 · EIN 47-2843220 | Advisory (Participants) | $20,106 |
LT TRUST COMPANY2 years Service code 15 · EIN 61-1607607 | Recordkeeping | $10,523 |
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.)
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 | $58,943 | $103,685-43.2% | $105,387-44.1% | $65,186-9.6% |
| Participation rate | 62.6% | 83.2%-20.6pp | 82.6%-20.0pp | 70.2%-7.6pp |
| Annual return | 20.41% | 23.88%-3.5pp | 26.82%-6.4pp | 29.39%-9.0pp |
| Employer contribution / active EE | $1,136 | $3,842-70.4% | $4,213-73.0% | $2,177-47.8% |
| Participant deferral / active EE | $3,717 | $5,634-34.0% | $5,502-32.4% | $3,514+5.8% |
| Admin fee / account holder | $300 | $399-24.7% | $6,559-95.4% | $847-64.6% |