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| Provider | Service type | Compensation |
|---|---|---|
NFP RETIREMENT INC3 years Service code 99 120 VANTIS STE 400 · ALISO VIEJO, CA 926562689 | Other Fees | $65,238 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 26 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Advisory (Participants) | $35,562 |
LARSON FINANCIAL GROUP LLC6 years Filed as: LARSON FINANCIAL GROUP Service code 71 1015 CORPORATE SQUARE DR STE 300 · ST LOUIS, MO 63132 | Brokerage Fees | $30,953 |
CREATIVE PLANNING LLC2 years Filed as: CREATIVE PLANNING INC. Service code 71 3400 COLLEGE BLVD · OVERLAND PARK, KS 66211 | Brokerage Fees | $15,548 |
TD AMERITRADE, INC.5 years Service code 33 200 S. 108TH AVENUE · OMAHA, NE 68154 | Shareholder servicing fees; Securitie... | $720 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, OH 80111 | Recordkeeping Fees | $0 |
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).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $437,799 | $46,332+844.9% | $143,799+204.5% | $64,819+575.4% |
| Participation rate | 94.8% | 64.2%+30.5pp | 80.3%+14.5pp | 71.5%+23.3pp |
| Annual return | -18.75% | -10.05%-8.7pp | -0.04%-18.7pp | 32.84%-51.6pp |
| Employer contribution / active EE | $23,187 | $1,911+1113.3% | $4,952+368.2% | $2,507+824.9% |
| Participant deferral / active EE | $13,378 | $2,647+405.3% | $5,638+137.3% | $4,311+210.3% |
| Admin fee / account holder | $305 | $154+97.9% | $14,677-97.9% | $188+62.1% |