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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $30,642 |
LPL FINANCIAL5 years Service code 27 PO BOX 502533 · SAN DIEGO, CA 92150 | Advisory (Plan) | $26,090 |
RAINER & COMPANY9+ years Service code 10 2 CAMPUS BLVD STE 220 · NEWTON SQUARE, PA 19073 | Accounting | $14,106 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,708 | $65,428-10.3% | $169,390-65.3% | $71,511-17.9% |
| Participation rate | 57.7% | 66.9%-9.2pp | 77.2%-19.5pp | 67.9%-10.3pp |
| Annual return | 11.25% | 21.35%-10.1pp | 406.07%-394.8pp | 28.86%-17.6pp |
| Employer contribution / active EE | $468 | $2,064-77.3% | $4,013-88.3% | $2,589-81.9% |
| Participant deferral / active EE | $2,497 | $4,360-42.7% | $6,222-59.9% | $4,291-41.8% |
| Admin fee / account holder | $366 | $1,328-72.4% | $9,015-95.9% | $1,588-76.9% |