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| Provider | Service type | Compensation |
|---|---|---|
BEACON POINTE ADVISORS LLC8 years Filed as: BEACON POINTE HOLDINGS LLC DBA BEAC Service code 27 24 CORPORATE PLAZA DR STE 150 · NEWPORT BEACH, CA 92660 | Advisory (Plan) | $37,549 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $30,637 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $11,061 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $69,104 | $67,594+2.2% | $77,361-10.7% | $69,733-0.9% |
| Participation rate | 46.1% | 71.7%-25.6pp | 75.0%-28.9pp | 62.5%-16.4pp |
| Annual return | 15.70% | 19.20%-3.5pp | 1011.54%-995.8pp | 15.22%+0.5pp |
| Employer contribution / active EE | $983 | $2,649-62.9% | $2,990-67.1% | $2,250-56.3% |
| Participant deferral / active EE | $4,404 | $3,401+29.5% | $3,911+12.6% | $3,054+44.2% |
| Admin fee / account holder | $511 | $1,159-55.9% | $5,894-91.3% | $3,102-83.5% |