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| Provider | Service type | Compensation |
|---|---|---|
Filed as: NEWFRONT RETIREMENT SERVICES, INC. Service code 27 450 SANSOME ST STE 300 · SAN FRANCISCO, CA 94111 | Advisory (Plan) | $6,712 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $4,720 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $282 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $34,601 | $57,140-39.4% | $85,240-59.4% | $80,959-57.3% |
| Participation rate | 59.3% | 56.4%+2.8pp | 67.5%-8.3pp | 67.7%-8.4pp |
| Annual return | 17.59% | 21.71%-4.1pp | 66.75%-49.2pp | 35.67%-18.1pp |
| Employer contribution / active EE | $1,624 | $1,802-9.9% | $2,735-40.6% | $2,757-41.1% |
| Participant deferral / active EE | $2,693 | $3,115-13.5% | $4,527-40.5% | $4,300-37.4% |
| Admin fee / account holder | $150 | $4,992-97.0% | $6,165-97.6% | $6,925-97.8% |