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| Provider | Service type | Compensation |
|---|---|---|
AB FUNDS2 years Filed as: ALLIANCEBERNSTEIN LP Service code 27 501 COMMERCE ST · NASHVILLE, TN 37302 | Advisory (Plan) | $27,704 |
Filed as: EMPOWER ANNUITY INSURANCE CO OF AME Service code 64 8515 EAST ORCHARD RD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $27,382 |
ASCENSUS LLC2 years Filed as: ASCENSUS HOLDINGS INC DBA FUTUREPLA Service code 13 101 W BROADWAY STE 1420 · SAN DIEGO, CA 92101 | Contract Administrator | $5,142 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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.
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 | $115,550 | $58,312+98.2% | $86,656+33.3% | $71,529+61.5% |
| Participation rate | 35.3% | 65.0%-29.7pp | 71.7%-36.4pp | 67.9%-32.6pp |
| Annual return | 7.97% | 24.08%-16.1pp | 593.09%-585.1pp | 28.97%-21.0pp |
| Employer contribution / active EE | $371 | $2,576-85.6% | $3,025-87.7% | $2,590-85.7% |
| Participant deferral / active EE | $3,022 | $3,439-12.1% | $4,439-31.9% | $4,291-29.6% |
| Admin fee / account holder | $578 | $1,057-45.4% | $5,619-89.7% | $1,588-63.6% |