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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY COMPANY OF AMERICA Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $17,495 |
RBC WEALTH MANAGEMENT3 years Filed as: RBC CAPITAL MARKETS, LLC Service code 27 60 S 6TH ST COMMISSIONS ACCTG P -14 · MINNEAPOLIS, MN 55402 | Advisory (Plan) | $15,778 |
Filed as: QUALIFIED RETIREMENT PLAN SERVICES, Service code 13 2724 DISCOVERY DRIV, SUITE 100 · RALEIGH, NC 27616 | Contract Administrator | $5,086 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,162 | $97,648-55.8% | $121,663-64.5% | $87,485-50.7% |
| Participation rate | 97.9% | 70.5%+27.5pp | 74.5%+23.4pp | 68.9%+29.0pp |
| Annual return | 9.84% | 18.03%-8.2pp | 147.54%-137.7pp | 26.06%-16.2pp |
| Employer contribution / active EE | $1,507 | $2,300-34.5% | $3,020-50.1% | $2,596-42.0% |
| Participant deferral / active EE | $2,874 | $3,923-26.7% | $4,887-41.2% | $4,274-32.8% |
| Admin fee / account holder | $307 | $11,100-97.2% | $14,289-97.8% | $7,775-96.0% |