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| Provider | Service type | Compensation |
|---|---|---|
UBS FINANCIAL SERVICES INC6 years Service code 27 PO BOX 198928 · NASHVILLE, TN 37238 | Advisory (Plan) | $36,275 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $23,556 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $11,639 |
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).
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 | $81,109 | $79,181+2.4% | $102,423-20.8% | $74,429+9.0% |
| Participation rate | 99.3% | 74.8%+24.6pp | 76.5%+22.8pp | 67.2%+32.1pp |
| Annual return | 18.09% | 54.97%-36.9pp | 29.42%-11.3pp | 1368.38%-1350.3pp |
| Employer contribution / active EE | $3,463 | $2,362+46.6% | $3,023+14.5% | $2,625+31.9% |
| Participant deferral / active EE | $8,188 | $4,416+85.4% | $5,054+62.0% | $4,348+88.3% |
| Admin fee / account holder | $388 | $2,002-80.6% | $9,455-95.9% | $1,944-80.1% |