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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) | $17,642 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $8,722 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $5,610 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $37,294 | $86,655-57.0% | $119,622-68.8% | $66,938-44.3% |
| Participation rate | 47.3% | 75.6%-28.3pp | 79.3%-32.0pp | 69.8%-22.5pp |
| Annual return | -13.49% | -8.00%-5.5pp | -14.98%+1.5pp | 1.58%-15.1pp |
| Employer contribution / active EE | $933 | $2,536-63.2% | $4,232-78.0% | $2,545-63.3% |
| Participant deferral / active EE | $1,612 | $4,358-63.0% | $5,601-71.2% | $4,238-62.0% |
| Admin fee / account holder | $426 | $755-43.5% | $10,328-95.9% | $594-28.2% |