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| Provider | Service type | Compensation |
|---|---|---|
WELLS FARGO BANK, N.A.6 years Filed as: WELLS FARGO ADVISORS LLC Service code 26 401 S TRYON ST, 11TH FL · CHARLOTTE, NC 28081 | Advisory (Participants) | $51,143 |
Filed as: EMPOWER ANNUITY INSUR CO OF AMER Service code 15 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping | $15,668 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $13,694 |
CREATIVE RETIREMENT SYSTEMS, INC.10+ years Service code 15 · EIN 31-1299207 25 MERCHANT ST, STE 135 · CINCINNATI, OH 45246 | Recordkeeping | $9,104 |
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 | $133,688 | $79,223+68.8% | $102,460+30.5% | $74,478+79.5% |
| Participation rate | 63.5% | 74.8%-11.3pp | 76.5%-13.0pp | 67.2%-3.7pp |
| Annual return | 11.16% | 54.98%-43.8pp | 29.47%-18.3pp | 1370.56%-1359.4pp |
| Employer contribution / active EE | $1,175 | $2,363-50.3% | $3,025-61.2% | $2,626-55.3% |
| Participant deferral / active EE | $4,997 | $4,417+13.1% | $5,056-1.2% | $4,350+14.9% |
| Admin fee / account holder | $793 | $2,003-60.4% | $9,460-91.6% | $1,946-59.2% |