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| Provider | Service type | Compensation |
|---|---|---|
LT TRUST COMPANY1 year Filed as: LT TRUST Service code 12 · EIN 61-1607607 | Participant loan processing; Custodia... | $9,775 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $3,896 | $84,948-95.4% | $70,476-94.5% | $73,412-94.7% |
| Participation rate | 26.6% | 79.9%-53.3pp | 75.1%-48.4pp | 72.2%-45.5pp |
| Annual return | 23.40% | 13.39%+10.0pp | 109.12%-85.7pp | 59.30%-35.9pp |
| Employer contribution / active EE | $0 | $2,834-100.0% | $2,738-100.0% | $2,234-100.0% |
| Participant deferral / active EE | $613 | $3,387-81.9% | $3,710-83.5% | $3,806-83.9% |
| Admin fee / account holder | $96 | $98-2.3% | $3,847-97.5% | $158-39.3% |