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| Provider | Service type | Compensation |
|---|---|---|
LT TRUST COMPANY4+ years Filed as: LT TRUST COMPANY, INC. Service code 15 · EIN 61-1607607 | Recordkeeping | $23,203 |
PLAN STRATEGIES, INC.1 year Filed as: PSI, INC. Service code 27 · EIN 41-1910561 | Advisory (Plan) | $19,368 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $16,383 | $57,350-71.4% | $83,850-80.5% | $64,181-74.5% |
| Participation rate | 100.0% | 68.6%+31.4pp | 76.1%+23.9pp | 69.6%+30.4pp |
| Annual return | 2.37% | 11.38%-9.0pp | 850.92%-848.6pp | 7.63%-5.3pp |
| Employer contribution / active EE | $2,945 | $2,545+15.7% | $3,631-18.9% | $2,381+23.7% |
| Participant deferral / active EE | $1,423 | $2,993-52.4% | $4,082-65.1% | $3,470-59.0% |
| Admin fee / account holder | $308 | $4,046-92.4% | $5,478-94.4% | $4,887-93.7% |