Filed January 13, 2025
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| Provider | Service type | Compensation |
|---|---|---|
CETERA ADVISOR NETWORKS LLC2 years Filed as: CWM LLC Service code 27 14600 BRANCH STREET · OMAHA, NE 68154 | Advisory (Plan) | $15,117 |
Filed as: EMPOWER ANNUITY INSURANCE GROUP Service code 64 8515 E. ORCHARD ROAD · GREENWOOD VILLAGE, CA 80111 | Recordkeeping Fees | $11,419 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $4,992 |
Filed as: MEEDER ADVISORY SERVICES, INC. Service code 99 6125 MEMORIAL DRIVE · DUBLIN, OH 43017 | Other Fees | $4,330 |
Filed as: DEMARS PENSION CONSULTING SERVICES, Service code 13 · EIN 48-0890241 8700 INDIAN CREEK PARKWAY · OVERLAND PARK, KS 66210 | Contract Administrator | $3,002 |
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 | $40,187 | $59,467-32.4% | $93,727-57.1% | $74,478-46.0% |
| Participation rate | 61.5% | 59.6%+1.9pp | 68.7%-7.2pp | 67.2%-5.7pp |
| Annual return | 10.94% | 82.14%-71.2pp | 133.83%-122.9pp | 1370.56%-1359.6pp |
| Employer contribution / active EE | $1,398 | $1,267+10.4% | $2,421-42.3% | $2,626-46.8% |
| Participant deferral / active EE | $2,217 | $3,052-27.4% | $4,417-49.8% | $4,350-49.0% |
| Admin fee / account holder | $332 | $3,028-89.0% | $8,292-96.0% | $1,946-82.9% |