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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 15 · EIN 84-0467907 | Recordkeeping | $250,077 |
CAPFINANCIAL PARTNERS LLC2 years Filed as: CAPFINANCIAL PARTNERS LLC DBA CAPTR Service code 27 4208 SIX FORKS RD STE 1700 · RALEIGH, NC 27609 | Advisory (Plan) | $76,502 |
Filed as: EMPOWER FINANCIAL SERVICES, INC. Service code 26 · EIN 84-0965407 | Advisory (Participants) | $175 |
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 | $198,094 | $89,093+122.3% | $102,434+93.4% | $77,736+154.8% |
| Participation rate | 99.1% | 80.9%+18.2pp | 76.5%+22.6pp | 70.6%+28.5pp |
| Annual return | 15.64% | 25.03%-9.4pp | 29.46%-13.8pp | 31.26%-15.6pp |
| Employer contribution / active EE | $9,195 | $2,699+240.6% | $3,023+204.1% | $2,728+237.1% |
| Participant deferral / active EE | $10,732 | $5,147+108.5% | $5,055+112.3% | $4,651+130.8% |
| Admin fee / account holder | $415 | $236+75.8% | $9,462-95.6% | $433-4.3% |