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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA ADVISORY SERVICES LLC Service code 27 5707 SWST PRKWY BLDG 2 · AUSTIN, TX 78735 | Advisory (Plan) | $17,449 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $13,400 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $10,053 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $56,754 | $66,486-14.6% | $81,370-30.3% | $77,762-27.0% |
| Participation rate | 29.5% | 68.7%-39.2pp | 69.5%-40.0pp | 70.6%-41.1pp |
| Annual return | 16.67% | 15.95%+0.7pp | 24.85%-8.2pp | 31.27%-14.6pp |
| Employer contribution / active EE | $1,102 | $2,158-48.9% | $2,464-55.3% | $2,728-59.6% |
| Participant deferral / active EE | $1,386 | $3,677-62.3% | $3,885-64.3% | $4,651-70.2% |
| Admin fee / account holder | $334 | $586-43.0% | $5,749-94.2% | $433-22.9% |