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| Provider | Service type | Compensation |
|---|---|---|
WESTERN WEALTH MANAGEMENT7 years Service code 26 277 E. 3RD AVE. UNIT A · DURANGO, CO 81301 | Advisory (Participants) | $36,629 |
THE VANGUARD GROUP, INC.7 years Service code 15 · EIN 23-1945930 | Recordkeeping | $15,480 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $58,798 | $61,356-4.2% | $149,696-60.7% | $71,511-17.8% |
| Participation rate | 48.9% | 62.5%-13.6pp | 78.8%-29.8pp | 67.9%-19.0pp |
| Annual return | 24.16% | 35.86%-11.7pp | 134.46%-110.3pp | 28.86%-4.7pp |
| Employer contribution / active EE | $1,007 | $2,382-57.7% | $4,821-79.1% | $2,589-61.1% |
| Participant deferral / active EE | $4,267 | $2,920+46.1% | $5,682-24.9% | $4,291-0.6% |
| Admin fee / account holder | $364 | $1,263-71.2% | $13,212-97.2% | $1,588-77.1% |