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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CAPFINANCIAL PARTNERS LLC DBA Service code 27 4208 SIX FORKS RD STE 1700 · RALEIGH, NC 27609 | Advisory (Plan) | $69,481 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $30,441 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $4,343 |
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.)
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 | $55,154 | $50,902+8.4% | $155,534-64.5% | $77,736-29.1% |
| Participation rate | 44.6% | 63.1%-18.5pp | 78.2%-33.6pp | 70.6%-26.0pp |
| Annual return | 11.62% | 34.85%-23.2pp | 64.92%-53.3pp | 31.26%-19.6pp |
| Employer contribution / active EE | $611 | $1,991-69.3% | $4,675-86.9% | $2,728-77.6% |
| Participant deferral / active EE | $2,507 | $2,824-11.2% | $5,630-55.5% | $4,651-46.1% |
| Admin fee / account holder | $592 | $437+35.6% | $15,900-96.3% | $433+36.7% |