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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE CO. Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD, CO 80111 | Recordkeeping Fees | $33,026 |
CAPFINANCIAL PARTNERS LLC10+ years Service code 27 4208 SIX FORKS ROAD, SUITE 1700 · RALEIGH, NC 27609 | Advisory (Plan) | $12,422 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD, CO 80111 | Investment Management | $9,393 |
Filed as: CBIZ BENEFITS & INS SERVICES Service code 13 PO BOX 632886 · CINCINNATI, OH 45263 | Contract Administrator | $6,826 |
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 | $60,733 | $87,132-30.3% | $105,624-42.5% | $80,959-25.0% |
| Participation rate | 92.0% | 70.4%+21.5pp | 75.3%+16.7pp | 67.7%+24.3pp |
| Annual return | 12.65% | 17.03%-4.4pp | 116.20%-103.6pp | 35.67%-23.0pp |
| Employer contribution / active EE | $2,086 | $2,397-13.0% | $3,168-34.1% | $2,757-24.3% |
| Participant deferral / active EE | $4,656 | $3,985+16.8% | $5,013-7.1% | $4,300+8.3% |
| Admin fee / account holder | $443 | $8,449-94.8% | $10,961-96.0% | $6,925-93.6% |