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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INS CO OF AMERICA Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $34,387 |
LPL FINANCIAL2 years Service code 27 PO BOX 502533 · SAN DIEGO, CA 92150 | Advisory (Plan) | $20,111 |
PA RETIREMENT SOLUTIONS, INC.10+ years Service code 13 · EIN 27-2487837 1110 N. MOUNTAIN ROAD · HARRISBURG, PA 17112 | Contract Administrator | $15,322 |
Filed as: SMITH ELLIOTT KEARNS & COMPANY, LLC Service code 10 804 WAYNE AVE · CHAMBERSBURG, PA 17201 | Accounting | $11,469 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,573 | $45,343+0.5% | $150,298-69.7% | $67,986-33.0% |
| Participation rate | 63.5% | 51.9%+11.6pp | 77.8%-14.3pp | 57.2%+6.2pp |
| Annual return | 10.93% | 33.28%-22.3pp | 62.79%-51.9pp | 31.67%-20.7pp |
| Employer contribution / active EE | $716 | $1,462-51.0% | $4,154-82.8% | $2,019-64.5% |
| Participant deferral / active EE | $1,872 | $2,055-8.9% | $5,453-65.7% | $3,358-44.3% |
| Admin fee / account holder | $407 | $2,250-81.9% | $14,116-97.1% | $3,203-87.3% |