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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $27,666 |
Filed as: GUARDIAN WEALTH PARTNERS LLC Service code 27 4270 THE CIRCLE AT NORTH HILLS · RALEIGH, NC 27609 | Advisory (Plan) | $10,607 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $30,050 | $82,979-63.8% | $102,412-70.7% | $77,736-61.3% |
| Participation rate | 31.7% | 71.5%-39.9pp | 74.5%-42.8pp | 70.6%-38.9pp |
| Annual return | 7.67% | 19.11%-11.4pp | 24.94%-17.3pp | 31.26%-23.6pp |
| Employer contribution / active EE | $1,621 | $3,554-54.4% | $3,870-58.1% | $2,728-40.6% |
| Participant deferral / active EE | $2,671 | $4,109-35.0% | $5,060-47.2% | $4,651-42.6% |
| Admin fee / account holder | $241 | $639-62.3% | $8,388-97.1% | $433-44.4% |