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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COMMONWEALTH EQUITY SERVICES LLC Service code 27 · EIN 04-2647786 DBA COMMONWEALTH · WALTHAM, MA 024533483 | Advisory (Plan) | $14,941 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD, CO 80111 | Recordkeeping Fees | $8,542 |
Filed as: FIDELITY INVESTMENTS INST OP CO Service code 64 · EIN 04-2647786 | Recordkeeping Fees | $785 |
ASCENSUS LLC1 year Filed as: ASCENSUS HOLDINTS DBA FUTUREPLAN AD Service code 13 101 W BROADWAY STE 1420 · SAN DIEGO, CA 92101 | Contract Administrator | $354 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $50 |
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).
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 | $37,962 | $69,774-45.6% | $67,561-43.8% | $74,429-49.0% |
| Participation rate | 65.4% | 71.4%-6.0pp | 72.9%-7.5pp | 67.2%-1.8pp |
| Annual return | 12.78% | -40.53%+53.3pp | 3525.44%-3512.7pp | 1368.38%-1355.6pp |
| Employer contribution / active EE | $1,985 | $2,710-26.8% | $2,735-27.4% | $2,625-24.4% |
| Participant deferral / active EE | $4,708 | $3,636+29.5% | $4,003+17.6% | $4,348+8.3% |
| Admin fee / account holder | $336 | $890-62.3% | $4,006-91.6% | $1,944-82.7% |