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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 | $32,209 |
LPL FINANCIAL6 years Service code 27 PO BOX 502533 · SAN DIEGO, CA 92150 | Advisory (Plan) | $28,974 |
PKF O'CONNOR DAVIES, LLP1 year Service code 10 2 CAMPUS BLVD STE 220 · NEWTON SQUARE, PA 19073 | Accounting | $20,387 |
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.
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 | $65,723 | $62,688+4.8% | $178,528-63.2% | $77,714-15.4% |
| Participation rate | 49.1% | 66.9%-17.8pp | 77.1%-28.0pp | 70.6%-21.4pp |
| Annual return | 8.10% | 16.16%-8.1pp | 27.11%-19.0pp | 31.26%-23.2pp |
| Employer contribution / active EE | $428 | $1,912-77.6% | $3,950-89.2% | $2,727-84.3% |
| Participant deferral / active EE | $2,414 | $4,224-42.8% | $6,278-61.5% | $4,649-48.1% |
| Admin fee / account holder | $434 | $386+12.4% | $10,419-95.8% | $433+0.1% |