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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 26 · EIN 84-1532243 | Advisory (Participants) | $660,925 |
Filed as: EMPOWER ANNUITY INS. CO. OF AMERICA Service code 15 · EIN 84-0467907 | Recordkeeping | $628,172 |
NFP RETIREMENT INC5 years Service code 27 120 VANTIS STE 400 · ALISO VIEJO, CA 926562689 | Advisory (Plan) | $92,250 |
Filed as: CBIZ CPAS P.C. Service code 10 · EIN 43-1947695 | Accounting | $20,100 |
Filed as: EMPOWER FINANCIAL SERVICES, INC. Service code 33 · EIN 84-0965407 | Distribution (12b-1) fees; Other inve... | $967 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $54,560 | $140,910-61.3% | $75,972-28.2% | $106,382-48.7% |
| Participation rate | 43.4% | 64.1%-20.8pp | 69.1%-25.7pp | 69.9%-26.5pp |
| Annual return | 11.14% | 16.51%-5.4pp | 359.55%-348.4pp | 17.37%-6.2pp |
| Employer contribution / active EE | $919 | $5,354-82.8% | $2,685-65.8% | $3,364-72.7% |
| Participant deferral / active EE | $2,059 | $5,004-58.8% | $4,255-51.6% | $5,569-63.0% |
| Admin fee / account holder | $103 | $117-12.5% | $6,467-98.4% | $79+29.6% |