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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 | $101,950-57.7% | $125,529-65.6% | $86,983-50.4% |
| Participation rate | 97.9% | 70.2%+27.8pp | 74.7%+23.2pp | 69.5%+28.4pp |
| Annual return | 9.84% | 18.29%-8.4pp | 202.56%-192.7pp | 25.83%-16.0pp |
| Employer contribution / active EE | $1,507 | $2,358-36.1% | $3,058-50.7% | $2,584-41.7% |
| Participant deferral / active EE | $2,874 | $3,862-25.6% | $4,813-40.3% | $4,194-31.5% |
| Admin fee / account holder | $307 | $12,791-97.6% | $16,298-98.1% | $7,856-96.1% |