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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $48,789 |
Filed as: WORLD INVESTMENT ADVISORS, LLC Service code 27 24 E COTA STREET, SUITE 200 · SANTA BARBARA, CA 93101 | Advisory (Plan) | $25,000 |
Filed as: RETIREMENT PLAN CONCEPTS & SERVICES Service code 13 10319 DAWSONS CREEK BLVD, SUITE A · FORT WAYNE, IN 46825 | Contract Administrator | $18,081 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $6,826 |
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).
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 | $93,762 | $79,223+18.4% | $102,460-8.5% | $74,478+25.9% |
| Participation rate | 99.3% | 74.8%+24.5pp | 76.5%+22.8pp | 67.2%+32.0pp |
| Annual return | 12.92% | 54.98%-42.1pp | 29.47%-16.6pp | 1370.56%-1357.6pp |
| Employer contribution / active EE | $5,460 | $2,363+131.1% | $3,025+80.5% | $2,626+107.9% |
| Participant deferral / active EE | $6,149 | $4,417+39.2% | $5,056+21.6% | $4,350+41.3% |
| Admin fee / account holder | $391 | $2,003-80.5% | $9,460-95.9% | $1,946-79.9% |