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| Provider | Service type | Compensation |
|---|---|---|
AMERICA'S 401K, INC.2+ years Filed as: AMERICA'S BEST 401(K) Service code 26 · EIN 47-2843220 | Advisory (Participants) | $64,069 |
LT TRUST COMPANY2+ years Service code 13 · EIN 61-1607607 | Contract Administrator | $42,642 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $34,648 | $80,177-56.8% | $123,894-72.0% | $57,658-39.9% |
| Participation rate | 46.3% | 74.4%-28.2pp | 81.4%-35.1pp | 70.2%-23.9pp |
| Annual return | 5.59% | 17.90%-12.3pp | 47.52%-41.9pp | 5.13%+0.5pp |
| Employer contribution / active EE | $745 | $2,913-74.4% | $4,617-83.9% | $1,974-62.3% |
| Participant deferral / active EE | $1,421 | $5,130-72.3% | $5,984-76.3% | $3,061-53.6% |
| Admin fee / account holder | $225 | $106+111.8% | $8,357-97.3% | $95+138.1% |