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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TAX SHELTERED COMPENSATION Service code 13 · EIN 41-0955056 | Contract Administrator | $8,088 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $3,657 |
Filed as: KESTRA ADVIOSRY SERVICES LLC Service code 27 5707 SWST PRKWY BLDG 2 · AUSTIN, TX 78735 | Advisory (Plan) | $2,989 |
Service code 27 9855 W 78TH ST · EDEN PRAIRIE, MN 55344 | Advisory (Plan) | $2,702 |
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).
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 | $29,973 | $27,632+8.5% | $61,399-51.2% | $68,495-56.2% |
| Participation rate | 24.5% | 39.5%-15.0pp | 52.6%-28.1pp | 67.9%-43.4pp |
| Annual return | -19.36% | -13.24%-6.1pp | 338.81%-358.2pp | -7.84%-11.5pp |
| Employer contribution / active EE | $605 | $696-13.1% | $1,159-47.8% | $2,596-76.7% |
| Participant deferral / active EE | $1,193 | $1,264-5.6% | $2,124-43.8% | $4,028-70.4% |
| Admin fee / account holder | $405 | $2,010-79.9% | $2,131-81.0% | $5,403-92.5% |