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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $17,838 |
LPL FINANCIAL2 years Service code 27 PO BOX 502533 · SAN DIEGO, CA 921502533 | Advisory (Plan) | $8,268 |
Filed as: EMPOWER RETIREMENT ADVISORY SERVICE Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $1,052 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $35,745 | $44,221-19.2% | $121,220-70.5% | $56,287-36.5% |
| Participation rate | 46.6% | 61.1%-14.4pp | 71.8%-25.1pp | 69.9%-23.2pp |
| Annual return | -4.79% | -3.58%-1.2pp | 16.94%-21.7pp | -9.96%+5.2pp |
| Employer contribution / active EE | $1,371 | $1,480-7.4% | $4,023-65.9% | $2,111-35.1% |
| Participant deferral / active EE | $2,926 | $2,521+16.1% | $3,345-12.5% | $3,350-12.6% |
| Admin fee / account holder | $309 | $480-35.8% | $5,021-93.9% | $521-40.8% |