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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $26,217 |
Filed as: LOCKTON INVESTMENT ADVISORS LLC Service code 27 · EIN 20-8874282 | Advisory (Plan) | $22,247 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $42,278 | $65,453-35.4% | $86,698-51.2% | $66,938-36.8% |
| Participation rate | 41.0% | 75.5%-34.4pp | 76.6%-35.6pp | 69.8%-28.8pp |
| Annual return | -15.41% | -10.89%-4.5pp | 35.95%-51.4pp | 1.58%-17.0pp |
| Employer contribution / active EE | $766 | $2,154-64.4% | $2,837-73.0% | $2,545-69.9% |
| Participant deferral / active EE | $1,734 | $4,102-57.7% | $4,656-62.8% | $4,238-59.1% |
| Admin fee / account holder | $373 | $642-41.9% | $7,493-95.0% | $594-37.2% |