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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 64 · EIN 04-1590850 | Recordkeeping Fees | $29,200 |
SUMMIT FINANCIAL CORPORATION2 years Filed as: SUMMIT FINANCIAL, LLC Service code 27 · EIN 37-1895248 | Advisory (Plan) | $21,226 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 52 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Indirect Investment Fees | $5,550 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $88,693 | $84,493+5.0% | $125,381-29.3% | $66,938+32.5% |
| Participation rate | 68.0% | 76.4%-8.4pp | 82.4%-14.4pp | 69.8%-1.8pp |
| Annual return | -14.12% | -8.49%-5.6pp | 572.31%-586.4pp | 1.58%-15.7pp |
| Employer contribution / active EE | $3,042 | $3,554-14.4% | $4,815-36.8% | $2,545+19.5% |
| Participant deferral / active EE | $6,731 | $6,783-0.8% | $7,448-9.6% | $4,238+58.8% |
| Admin fee / account holder | $615 | $685-10.2% | $10,007-93.9% | $594+3.6% |