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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 | $46,594 |
LPL FINANCIAL5 years Filed as: LPL FINANCIAL LLC Service code 55 PO BOX 509026 · SAN DIEGO, CA 921509026 | Other Commissions | $15,454 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $2,429 |
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 | $38,882 | $83,369-53.4% | $105,223-63.0% | $67,986-42.8% |
| Participation rate | 75.3% | 56.3%+19.0pp | 75.0%+0.3pp | 57.2%+18.1pp |
| Annual return | 13.84% | 24.64%-10.8pp | 180.65%-166.8pp | 31.67%-17.8pp |
| Employer contribution / active EE | $1,649 | $2,541-35.1% | $3,689-55.3% | $2,019-18.3% |
| Participant deferral / active EE | $3,797 | $3,295+15.2% | $5,072-25.1% | $3,358+13.1% |
| Admin fee / account holder | $325 | $4,073-92.0% | $8,859-96.3% | $3,203-89.9% |