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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA ADVISORY SERVICES LLC Service code 27 5707 SWST PRKWY BLDG 2 · AUSTIN, TX 78735 | Advisory (Plan) | $32,500 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $18,730 |
TSC 401K1 year Service code 13 · EIN 41-0955056 7365 KIRKWOOD CT N STE 200 · MAPLE GROVE, MN 55369 | Contract Administrator | $3,625 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $901 |
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 | $65,334 | $72,352-9.7% | $142,516-54.2% | $71,511-8.6% |
| Participation rate | 87.9% | 71.7%+16.2pp | 76.8%+11.1pp | 67.9%+19.9pp |
| Annual return | 14.87% | 21.17%-6.3pp | 19.99%-5.1pp | 28.86%-14.0pp |
| Employer contribution / active EE | $1,371 | $3,800-63.9% | $4,849-71.7% | $2,589-47.0% |
| Participant deferral / active EE | $4,053 | $5,288-23.4% | $6,280-35.5% | $4,291-5.5% |
| Admin fee / account holder | $355 | $1,438-75.3% | $10,008-96.5% | $1,588-77.7% |