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| Provider | Service type | Compensation |
|---|---|---|
AMERICA'S 401K, INC.2 years Service code 13 8131 LBJ FREEWAY STE 770 · DALLAS, TX 75251 | Contract Administrator | $0 |
Filed as: EMPOWER RETIREMENT ADVISORY SERVICE Service code 28 8515 EAST ORCHARD RD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $0 |
Service code 64 8515 EAST ORCHARD RD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $0 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,096 | $62,583-24.7% | $76,767-38.7% | $64,173-26.6% |
| Participation rate | 68.4% | 72.8%-4.4pp | 77.0%-8.6pp | 69.6%-1.2pp |
| Annual return | -6.66% | -1.95%-4.7pp | 2.43%-9.1pp | 7.63%-14.3pp |
| Employer contribution / active EE | $1,609 | $1,832-12.2% | $2,485-35.3% | $2,381-32.4% |
| Participant deferral / active EE | $1,839 | $3,145-41.5% | $3,852-52.2% | $3,470-47.0% |
| Admin fee / account holder | $488 | $4,667-89.6% | $6,675-92.7% | $4,887-90.0% |