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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 | $66,486+70.1% | $81,370+39.0% | $77,762+45.5% |
| Participation rate | 55.0% | 68.7%-13.7pp | 69.5%-14.6pp | 70.6%-15.6pp |
| Annual return | 11.87% | 15.95%-4.1pp | 24.85%-13.0pp | 31.27%-19.4pp |
| Employer contribution / active EE | $1,152 | $2,158-46.6% | $2,464-53.3% | $2,728-57.8% |
| Participant deferral / active EE | $3,804 | $3,677+3.5% | $3,885-2.1% | $4,651-18.2% |
| Admin fee / account holder | $486 | $586-17.0% | $5,749-91.5% | $433+12.3% |