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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 | $47,168 |
Filed as: KESTRA INVESTMENT SERVICES Service code 55 | Other Commissions | $28,118 |
Service code 13 | Contract Administrator | $10,000 |
BAKER TILLY US, LLP3 years Filed as: BAKER TILLY VIRCHOW KRAUSE, LLP Service code 10 4807 INNOVATE LN · MADISON, WI 53718 | Accounting | $6,473 |
Service code 99 6504 BRIDGE POINT PKWY STE 450 · AUSTIN, TX 787305097 | Other Fees | $5,015 |
Filed as: TAX SHELTERED COMPENSATION INC Service code 13 7365 KIRKWOOD CT N STE 200 · MAPLE GROVE, MN 55369 | Contract Administrator | $1,625 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $368 |
Service code 55 5707 SOUTHWEST PKWY · AUSTIN, TX 78735 | Other Commissions | $0 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $114,600 | $82,674+38.6% | $125,381-8.6% | $68,486+67.3% |
| Participation rate | 60.9% | 75.1%-14.2pp | 82.4%-21.5pp | 67.9%-7.0pp |
| Annual return | -16.51% | -5.97%-10.5pp | 572.31%-588.8pp | -7.85%-8.7pp |
| Employer contribution / active EE | $1,044 | $3,382-69.1% | $4,815-78.3% | $2,597-59.8% |
| Participant deferral / active EE | $10,531 | $6,111+72.3% | $7,448+41.4% | $4,028+161.5% |
| Admin fee / account holder | $706 | $6,277-88.7% | $10,007-92.9% | $5,404-86.9% |