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| Provider | Service type | Compensation |
|---|---|---|
LT TRUST COMPANY1 year Filed as: LT TRUST Service code 15 · EIN 61-1607607 PO BOX 5508 · DENVER, CO 80217 | Recordkeeping | $13,355 |
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).
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 | $22,413 | $100,801-77.8% | $149,745-85.0% | $73,412-69.5% |
| Participation rate | 48.2% | 77.7%-29.4pp | 82.5%-34.2pp | 72.2%-23.9pp |
| Annual return | 12413.17% | 265.34%+12147.8pp | 276.72%+12136.4pp | 59.30%+12353.9pp |
| Employer contribution / active EE | $985 | $3,312-70.3% | $4,646-78.8% | $2,234-55.9% |
| Participant deferral / active EE | $4,032 | $6,404-37.0% | $6,843-41.1% | $3,806+5.9% |
| Admin fee / account holder | $70 | $181-61.1% | $9,312-99.2% | $158-55.5% |