Filed December 17, 2025 (most recent of 3 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 27 · EIN 13-5674085 | Advisory (Plan) | $27,327 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 OF AMERICA · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $9,422 |
Filed as: RETIREMENT PLAN ADMINISTRATORS, LLC Service code 13 · EIN 58-2365498 | Contract Administrator | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $13,512 | $37,418-63.9% | $77,100-82.5% | $77,906-82.7% |
| Participation rate | 65.4% | 46.9%+18.5pp | 67.9%-2.5pp | 73.7%-8.3pp |
| Annual return | -11.52% | -7.13%-4.4pp | 42.35%-53.9pp | 12.16%-23.7pp |
| Employer contribution / active EE | $1,084 | $1,200-9.6% | $2,815-61.5% | $2,846-61.9% |
| Participant deferral / active EE | $1,565 | $2,572-39.1% | $4,430-64.7% | $4,805-67.4% |
| Admin fee / account holder | $117 | $126-7.0% | $5,443-97.8% | $133-11.5% |