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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COMMONWEALTH EQUITY SERVICES LLC Service code 27 29 SAWYER ROAD · WALTHAM, MA 02453 | Advisory (Plan) | $32,257 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $20,698 |
Service code 13 21 CHESTER PIKE · RIDLEY PARK, PA 19078 | Contract Administrator | $13,000 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $96,535 | $80,985+19.2% | $96,5760% | $75,181+28.4% |
| Participation rate | 98.9% | 71.8%+27.2pp | 76.0%+23.0pp | 67.2%+31.7pp |
| Annual return | 15.63% | 27.05%-11.4pp | 25.87%-10.2pp | 160.69%-145.1pp |
| Employer contribution / active EE | $6,400 | $2,282+180.4% | $2,965+115.9% | $2,671+139.7% |
| Participant deferral / active EE | $5,103 | $3,929+29.9% | $4,851+5.2% | $4,126+23.7% |
| Admin fee / account holder | $435 | $6,719-93.5% | $8,253-94.7% | $5,650-92.3% |