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| Provider | Service type | Compensation |
|---|---|---|
Service code 10 1705 OREGON PIKE · LANCASTER, PA 17601 | Accounting | $15,500 |
Filed as: RAYMOND JAMES Service code 27 880 CARILLON PARKWAY · ST PETERSBURG, FL 33716 | Advisory (Plan) | $10,768 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $9,447 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $3 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,104 | $79,955-41.1% | $98,461-52.2% | $75,173-37.3% |
| Participation rate | 87.2% | 70.4%+16.9pp | 75.2%+12.1pp | 67.2%+20.0pp |
| Annual return | 15.77% | 19.75%-4.0pp | 21.17%-5.4pp | 160.72%-145.0pp |
| Employer contribution / active EE | $687 | $2,264-69.6% | $3,049-77.5% | $2,671-74.3% |
| Participant deferral / active EE | $3,296 | $3,752-12.2% | $4,738-30.4% | $4,126-20.1% |
| Admin fee / account holder | $452 | $6,841-93.4% | $8,961-95.0% | $5,651-92.0% |