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| Provider | Service type | Compensation |
|---|---|---|
HEADWATERS WEALTH MANAGEMENT5 years Filed as: HEADWATERS WEALTH MANAGMENT Service code 26 401 W FRONT ST · BOISE, ID 83702 | Advisory (Participants) | $63,390 |
Service code 26 · EIN 51-0396365 | Advisory (Participants) | $36,275 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $453,477 | $61,391+638.7% | $149,723+202.9% | $71,529+534.0% |
| Participation rate | 100.0% | 62.5%+37.5pp | 78.8%+21.2pp | 67.9%+32.1pp |
| Annual return | 15.30% | 35.88%-20.6pp | 134.50%-119.2pp | 28.97%-13.7pp |
| Employer contribution / active EE | $28,817 | $2,384+1109.0% | $4,821+497.7% | $2,590+1012.7% |
| Participant deferral / active EE | $18,361 | $2,921+528.7% | $5,682+223.1% | $4,291+327.9% |
| Admin fee / account holder | $557 | $1,264-56.0% | $13,215-95.8% | $1,588-64.9% |