Filed December 31, 2024 (most recent of 5 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INS. CO. OF AMERICA Service code 64 · EIN 84-0467907 8515 E. ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $103,915 |
PINNACLE PENSION SERVICES8+ years Filed as: PINNACLE PENSION SERVICES, INC. Service code 13 · EIN 82-0433443 3101 W. MAIN STREET, STE 100 · BOISE, ID 83702 | Contract Administrator | $32,753 |
PENSIONMARK FINANCIAL GROUP LLC8+ years Filed as: PENSIONMARK FINANCIAL GROUP, LLC Service code 27 · EIN 26-1958084 24 E COTA STREET, STE 200 · SANTA BARBARA, CA 93101 | Advisory (Plan) | $30,000 |
Filed as: COTA STREET INVESTMENT MANAGEMENT Service code 28 24 E COTA STREET · SANTA BARBARA, CA 93101 | Investment Management | $17,846 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $34,153 | $30,086+13.5% | $61,399-44.4% | $64,814-47.3% |
| Participation rate | 44.0% | 36.4%+7.7pp | 52.6%-8.5pp | 71.5%-27.4pp |
| Annual return | -13.40% | -13.99%+0.6pp | 338.81%-352.2pp | 32.84%-46.2pp |
| Employer contribution / active EE | $711 | $536+32.5% | $1,159-38.7% | $2,507-71.6% |
| Participant deferral / active EE | $2,093 | $1,126+86.0% | $2,124-1.5% | $4,310-51.4% |
| Admin fee / account holder | $308 | $148+107.8% | $2,131-85.6% | $188+63.9% |