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| Provider | Service type | Compensation |
|---|---|---|
JPMORGAN INVEST HOLDINGS LLC8+ years Service code 64 · EIN 13-2624428 | Recordkeeping Fees | $84,873 |
WELLS FARGO BANK, N.A.5 years Filed as: WELLS FARGO ADVISORS LLC Service code 27 401S TRYOM ST · CHARLOTTE, NC 28081 | Advisory (Plan) | $45,909 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $5,505 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
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 | $72,206 | $71,142+1.5% | $119,608-39.6% | $64,814+11.4% |
| Participation rate | 68.8% | 78.6%-9.8pp | 79.3%-10.4pp | 71.5%-2.6pp |
| Annual return | -41.12% | -10.01%-31.1pp | -14.98%-26.1pp | 32.84%-74.0pp |
| Employer contribution / active EE | $676 | $2,497-72.9% | $4,232-84.0% | $2,507-73.0% |
| Participant deferral / active EE | $7,064 | $4,490+57.3% | $5,601+26.1% | $4,310+63.9% |
| Admin fee / account holder | $328 | $162+102.4% | $10,326-96.8% | $188+74.7% |