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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $21,510 |
LPL FINANCIAL2 years Service code 27 PO BOX 502533 · SAN DIEGO, CA 921502533 | Advisory (Plan) | $18,136 |
KREISCHER MILLER2 years Service code 10 100 WITMER RD STE 350 · HORSHAM, PA 190442369 | Accounting | $12,512 |
Filed as: EMPOWER RETIREMENT ADVISORY SERVICE Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $410 |
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 | $204,699 | $67,411+203.7% | $91,004+124.9% | $70,126+191.9% |
| Participation rate | 39.4% | 71.4%-31.9pp | 75.6%-36.2pp | 69.5%-30.1pp |
| Annual return | 16.29% | -40.16%+56.4pp | 4.60%+11.7pp | 73.15%-56.9pp |
| Employer contribution / active EE | $0 | $1,786-100.0% | $2,456-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $3,017 | $2,823+6.9% | $3,548-14.9% | $3,332-9.4% |
| Admin fee / account holder | $1,348 | $4,236-68.2% | $5,417-75.1% | $4,645-71.0% |