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| Provider | Service type | Compensation |
|---|---|---|
MMA SECURITIES LLC2 years Service code 27 PO BOX 9497 · NEW YORK, NY 10087 | Advisory (Plan) | $18,184 |
Filed as: EMPOWER ANNUITY INSURANCE CO OF AME Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $17,314 |
PENTEGRA SERVICES, INC.2 years Filed as: PENTEGRA SERVICES INC Service code 13 5350 SEVENTY SEVEN CENTER DR STE 20 · CHARLOTTE, NC 28217 | Contract Administrator | $12,735 |
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.)
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 | $57,330 | $27,800+106.2% | $58,507-2.0% | $71,529-19.9% |
| Participation rate | 29.8% | 34.6%-4.8pp | 50.9%-21.1pp | 67.9%-38.2pp |
| Annual return | 19.24% | 26.80%-7.6pp | 4252.32%-4233.1pp | 28.97%-9.7pp |
| Employer contribution / active EE | $325 | $632-48.5% | $1,053-69.1% | $2,590-87.4% |
| Participant deferral / active EE | $1,592 | $1,208+31.8% | $1,922-17.2% | $4,291-62.9% |
| Admin fee / account holder | $404 | $1,637-75.3% | $2,486-83.8% | $1,588-74.6% |