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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $88,241 |
Filed as: KESTRA ADVISORY SERVICES LLC Service code 27 5707 SWST PRKWY BLDG 2 · AUSTIN, TX 78735 | Advisory (Plan) | $35,394 |
Filed as: CBIZ CPAS PC Service code 10 25793 NETWORK PLACE · CHICAGO, IL 60673 | Accounting | $32,810 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $113,122 | $66,457+70.2% | $81,438+38.9% | $77,671+45.6% |
| Participation rate | 55.0% | 68.7%-13.8pp | 69.5%-14.5pp | 70.6%-15.6pp |
| Annual return | 11.87% | 15.93%-4.1pp | 24.74%-12.9pp | 31.21%-19.3pp |
| Employer contribution / active EE | $1,152 | $2,159-46.7% | $2,460-53.2% | $2,726-57.8% |
| Participant deferral / active EE | $3,804 | $3,679+3.4% | $3,883-2.0% | $4,648-18.2% |
| Admin fee / account holder | $486 | $583-16.5% | $5,764-91.6% | $430+13.0% |