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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $24,491 |
LPL FINANCIAL7 years Service code 27 · EIN 04-3046611 PO BOX 502533 · SAN DIEGO, CA 92150 | Advisory (Plan) | $14,802 |
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 62 · EIN 04-1590850 | Float revenue; Recordkeeping fees | $14,091 |
Filed as: RETIREMENT PLAN SOLUTIONS INC Service code 13 535 KEISLER DRIVE · CARY, NC 27518 | Contract Administrator | $3,620 |
LPL FINANCIAL7 years Filed as: LPL FINANCIAL, LLC Service code 27 | Advisory (Plan) | $0 |
Filed as: RETIREMENT PLAN SOLUTIONS Service code 13 · EIN 56-1762637 | Contract Administrator | $0 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $106,350 | $65,582+62.2% | $64,097+65.9% | $71,529+48.7% |
| Participation rate | 59.0% | 73.2%-14.2pp | 72.3%-13.3pp | 67.9%-8.9pp |
| Annual return | 8.16% | 18.96%-10.8pp | 33.75%-25.6pp | 28.97%-20.8pp |
| Employer contribution / active EE | $2,663 | $2,671-0.3% | $2,750-3.2% | $2,590+2.8% |
| Participant deferral / active EE | $3,757 | $3,628+3.6% | $3,881-3.2% | $4,291-12.4% |
| Admin fee / account holder | $396 | $616-35.8% | $3,070-87.1% | $1,588-75.1% |