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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 15 · EIN 84-0467907 | Recordkeeping | $130,705 |
Filed as: CAPFINANCIAL PARTNERS LLC DBA CAP Service code 26 4208 SIX FORKS · RALEIGH, NC 27609 | Advisory (Participants) | $72,295 |
Filed as: GWFS EQUITIES INC Service code 33 · EIN 84-0965407 | Securities brokerage | $25 |
Service code 12 · EIN 13-3689044 | Finders' fees / placement fees; Inves... | $0 |
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 | $188,487 | $69,511+171.2% | $94,672+99.1% | $71,529+163.5% |
| Participation rate | 83.1% | 78.4%+4.6pp | 80.8%+2.2pp | 67.9%+15.1pp |
| Annual return | 14.07% | 29.67%-15.6pp | 156.89%-142.8pp | 28.97%-14.9pp |
| Employer contribution / active EE | $8,026 | $2,853+181.3% | $3,673+118.5% | $2,590+209.9% |
| Participant deferral / active EE | $8,326 | $7,348+13.3% | $7,417+12.3% | $4,291+94.0% |
| Admin fee / account holder | $489 | $1,211-59.6% | $7,222-93.2% | $1,588-69.2% |