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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $27,857 |
ASCENSUS LLC3 years Filed as: ASCENSUS HOLDINGS INC DBA Service code 13 FUTUREPLAN BY ASCENSUS · SAN DIEGO, CA 92101 | Contract Administrator | $9,375 |
Filed as: CETERA INVESTMENT ADVISERS LLC Service code 27 200 N PACIFIC COAST HWY STE 1200 · EL SEGUNDO, CA 90245 | Advisory (Plan) | $6,505 |
CETERA ADVISOR NETWORKS LLC4 years Filed as: CETERA ADVISORS LLC Service code 27 ATTN RETIREMENT PLANS · EL SEGUNDO, CA 90245 | Advisory (Plan) | $5,862 |
ASCENSUS LLC3 years Filed as: ASCENSUS INC Service code 99 1102 CHESTNUT HILLS PARKWAY STE 100 · FORT WAYNE, IN 46814 | Other Fees | $2,690 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $37,155 | $89,465-58.5% | $165,071-77.5% | $77,736-52.2% |
| Participation rate | 34.9% | 78.6%-43.7pp | 78.6%-43.7pp | 70.6%-35.6pp |
| Annual return | 14.67% | 28.86%-14.2pp | 70.17%-55.5pp | 31.26%-16.6pp |
| Employer contribution / active EE | $1,571 | $2,565-38.7% | $4,347-63.9% | $2,728-42.4% |
| Participant deferral / active EE | $2,908 | $4,904-40.7% | $6,035-51.8% | $4,651-37.5% |
| Admin fee / account holder | $278 | $340-18.2% | $12,695-97.8% | $433-35.9% |