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| Provider | Service type | Compensation |
|---|---|---|
BWS ADVISORS LLC4 years Service code 27 2770 ELECTRIC ROAD · ROANOKE, VA 24018 | Advisory (Plan) | $0 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $0 |
METRO BENEFITS, INC.4 years Service code 13 8150 PERRY HWY, · PITTSBURG, PA 15237 | Contract Administrator | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $37,939 | $43,496-12.8% | $161,489-76.5% | $64,340-41.0% |
| Participation rate | 59.3% | 53.5%+5.8pp | 78.7%-19.4pp | 55.2%+4.1pp |
| Annual return | 9.82% | 20.76%-10.9pp | 89.72%-79.9pp | 24.14%-14.3pp |
| Employer contribution / active EE | $1,487 | $1,431+3.9% | $4,268-65.2% | $1,862-20.1% |
| Participant deferral / active EE | $2,775 | $1,996+39.0% | $5,630-50.7% | $2,980-6.9% |
| Admin fee / account holder | $150 | $2,330-93.6% | $16,006-99.1% | $3,703-96.0% |