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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 | $64,705+6.8% | $62,929+9.8% | $67,986+1.6% |
| Participation rate | 46.1% | 65.6%-19.5pp | 73.1%-27.0pp | 57.2%-11.1pp |
| Annual return | 15.70% | 20.31%-4.6pp | 1063.93%-1048.2pp | 31.67%-16.0pp |
| Employer contribution / active EE | $983 | $2,376-58.6% | $2,505-60.7% | $2,019-51.3% |
| Participant deferral / active EE | $4,404 | $3,198+37.7% | $3,888+13.3% | $3,358+31.1% |
| Admin fee / account holder | $511 | $1,428-64.2% | $5,065-89.9% | $3,203-84.0% |