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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 | $65,072+6.2% | $66,439+4.0% | $65,306+5.8% |
| Participation rate | 46.1% | 69.1%-23.0pp | 74.5%-28.4pp | 57.7%-11.6pp |
| Annual return | 15.70% | 21.50%-5.8pp | 757.66%-742.0pp | 21.94%-6.2pp |
| Employer contribution / active EE | $983 | $2,475-60.3% | $2,637-62.7% | $1,967-50.0% |
| Participant deferral / active EE | $4,404 | $3,234+36.2% | $3,876+13.6% | $2,959+48.8% |
| Admin fee / account holder | $511 | $1,323-61.4% | $6,173-91.7% | $3,480-85.3% |