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| Provider | Service type | Compensation |
|---|---|---|
KARP CAPITAL MANAGEMENT4 years Service code 99 2269 CHESTNUT ST STE 308 · SAN FRANCISCO, CA 94123 | Other Fees | $15,563 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $13,100 |
DESENA & CO, CPAS, LLC4 years Filed as: DESENA & COMPANY CERTIFIED PUBLIC A Service code 10 100 EAGLE ROCK AVE STE 110 · EAST HANOVER, NJ 07936 | Accounting | $8,900 |
Service code 27 11300 OLYMPIC BLVD UNIT 800 · LOS ANGELES, CA 90064 | Advisory (Plan) | $1,384 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $754 |
Filed as: CAPFINANCIAL PARTNERS LLC DBA CAPTR Service code 99 4208 SIX FORKS RD STE 1700 · RALEIGH, NC 27609 | Other Fees | $0 |
Service code 99 8400 WESTPARK DR · MCLEAN, VA 22102 | Other Fees | $0 |
Service code 99 12 GILL ST STE 2600 · WOBURN, MA 01801 | Other Fees | $0 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $56,292 | $49,451+13.8% | $79,580-29.3% | $66,938-15.9% |
| Participation rate | 44.9% | 61.3%-16.5pp | 69.5%-24.6pp | 69.8%-25.0pp |
| Annual return | -19.72% | 84.25%-104.0pp | 0.15%-19.9pp | 1.58%-21.3pp |
| Employer contribution / active EE | $608 | $1,266-51.9% | $2,413-74.8% | $2,545-76.1% |
| Participant deferral / active EE | $4,362 | $3,159+38.1% | $3,985+9.5% | $4,238+2.9% |
| Admin fee / account holder | $669 | $595+12.5% | $6,835-90.2% | $594+12.7% |