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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INS CO OF AMERICA Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $29,889 |
CREATIVE PLANNING LLC3 years Filed as: CREATIVE PLANNING HOLDCO LLC DBA CR Service code 27 5454 110TH ST · OVERLAND PARK, KS 66211 | Advisory (Plan) | $24,029 |
SIKICH LLP2 years Filed as: SIKICH CPA LLC Service code 10 333 JOHN CARLYLE ST STE 500 · ALEXANDRIA, VA 22314 | Accounting | $18,616 |
Service code 28 353 NORTH CLARK STREET · CHICAGO, IL 60654 | Investment Management | $7,693 |
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.)
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).
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 | $46,223 | $58,121-20.5% | $130,788-64.7% | $64,728-28.6% |
| Participation rate | 49.5% | 34.7%+14.8pp | 70.1%-20.6pp | 57.9%-8.4pp |
| Annual return | 20.94% | 102.13%-81.2pp | 386.44%-365.5pp | 49.38%-28.4pp |
| Employer contribution / active EE | $1,574 | $1,281+22.8% | $3,558-55.8% | $2,243-29.8% |
| Participant deferral / active EE | $3,865 | $2,137+80.8% | $4,137-6.6% | $2,729+41.6% |
| Admin fee / account holder | $334 | $1,703-80.4% | $6,673-95.0% | $1,145-70.8% |