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| Provider | Service type | Compensation |
|---|---|---|
SAGEPOINT FINANCIAL INC1 year Filed as: RESOURCE INVESTMENT ADVISORS INC Service code 27 · EIN 43-1452451 | Advisory (Plan) | $105,685 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 13 · EIN 06-1050034 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Contract Administrator | $98,947 |
BDO USA, LLP2 years Service code 10 · EIN 13-5381590 | Accounting | $47,100 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $54,076 | $93,010-41.9% | $96,520-44.0% | $74,440-27.4% |
| Participation rate | 71.9% | 71.6%+0.4pp | 74.3%-2.4pp | 70.7%+1.2pp |
| Annual return | 13.98% | 37.50%-23.5pp | 35.72%-21.7pp | 34.37%-20.4pp |
| Employer contribution / active EE | $703 | $3,427-79.5% | $3,739-81.2% | $2,638-73.3% |
| Participant deferral / active EE | $4,723 | $3,971+18.9% | $4,879-3.2% | $4,529+4.3% |
| Admin fee / account holder | $314 | $633-50.4% | $6,733-95.3% | $348-9.6% |