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| Provider | Service type | Compensation |
|---|---|---|
Filed as: USB FINANCIAL SERVICES, INC. Service code 27 · EIN 13-2638166 | Advisory (Plan) | $58,388 |
Filed as: EMPOWER LIFE & ANNUITY INSURANCE CO Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $19,477 |
Service code 99 5784 WIDEWATERS PKWY · SYRACUSE, NY 13214 | Other Fees | $12,540 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $167,615 | $84,493+98.4% | $125,381+33.7% | $66,938+150.4% |
| Participation rate | 99.2% | 76.4%+22.8pp | 82.4%+16.9pp | 69.8%+29.4pp |
| Annual return | -14.58% | -8.49%-6.1pp | 572.31%-586.9pp | 1.58%-16.2pp |
| Employer contribution / active EE | $5,576 | $3,554+56.9% | $4,815+15.8% | $2,545+119.1% |
| Participant deferral / active EE | $7,636 | $6,783+12.6% | $7,448+2.5% | $4,238+80.2% |
| Admin fee / account holder | $510 | $685-25.5% | $10,007-94.9% | $594-14.0% |