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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $31,566 |
CREATIVE PLANNING LLC1 year Filed as: CREATIVE PLANNING HOLDCO LLC DBA CR Service code 27 5454 110TH ST · OVERLAND PARK, KS 66211 | Advisory (Plan) | $27,634 |
BKD, LLP1 year Filed as: BKD LLP Service code 13 910 E ST. LOUIS ST STE 400 · SPRINGFIELD, MO 65807 | Contract Administrator | $14,110 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $9,952 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $179,008 | $88,137+103.1% | $164,975+8.5% | $74,429+140.5% |
| Participation rate | 82.8% | 73.1%+9.7pp | 78.6%+4.2pp | 67.2%+15.6pp |
| Annual return | 11.04% | 17.13%-6.1pp | 70.12%-59.1pp | 1368.38%-1357.3pp |
| Employer contribution / active EE | $6,330 | $2,597+143.7% | $4,343+45.8% | $2,625+141.2% |
| Participant deferral / active EE | $5,211 | $4,501+15.8% | $6,033-13.6% | $4,348+19.8% |
| Admin fee / account holder | $356 | $2,231-84.1% | $12,688-97.2% | $1,944-81.7% |