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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FIRST HEARTLAND CONSULTANTS INC Service code 27 1839 LAKE ST LOUIS BLVD · LAKE ST LOUIS, MO 63367 | Advisory (Plan) | $22,932 |
Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $18,185 |
Filed as: ADVISED ASSETS GROUP Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $2,390 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $37,943 | $49,138-22.8% | $84,020-54.8% | $65,185-41.8% |
| Participation rate | 52.7% | 60.7%-8.0pp | 69.0%-16.3pp | 70.2%-17.5pp |
| Annual return | 21.14% | 23.00%-1.9pp | 71.31%-50.2pp | 29.38%-8.2pp |
| Employer contribution / active EE | $0 | $914-100.0% | $1,984-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $2,625 | $2,397+9.5% | $3,239-18.9% | $3,514-25.3% |
| Admin fee / account holder | $315 | $543-42.0% | $6,101-94.8% | $847-62.8% |