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| Provider | Service type | Compensation |
|---|---|---|
CARPENTER MORSE GROUP3 years Service code 13 2170 W STATE RD 434 STE 280 · LONGWOOD, FL 32779 | Contract Administrator | $50,327 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $31,478 |
Filed as: LARSON ALLEN LLP Service code 10 1301 W 22ND ST · OAK BROOK, IL 60523 | Accounting | $18,165 |
Filed as: KESTRA ADVISORY SERVICES LLC Service code 27 5707 SWST PRKWY BLDG 2 · AUSTIN, TX 78735 | Advisory (Plan) | $15,321 |
Filed as: EMPOWER ADVISORY GROUP LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $2,072 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,604 | $55,446-80.9% | $155,574-93.2% | $74,429-85.8% |
| Participation rate | 80.9% | 61.9%+19.0pp | 78.2%+2.7pp | 67.2%+13.7pp |
| Annual return | 22.52% | 269.20%-246.7pp | 64.87%-42.3pp | 1368.38%-1345.9pp |
| Employer contribution / active EE | $878 | $2,266-61.2% | $4,676-81.2% | $2,625-66.5% |
| Participant deferral / active EE | $1,907 | $2,836-32.7% | $5,629-66.1% | $4,348-56.1% |
| Admin fee / account holder | $357 | $1,743-79.5% | $15,914-97.8% | $1,944-81.7% |