| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 28 370 17TH STREET, SUITE 5500 · DENVER, CO 802025656 | Investment Management | $345,831 |
HILLTOP NATIONAL BANK5+ years Service code 15 · EIN 83-0202762 300 COUNTRY CLUB ROAD · CASPER, WY 82609 | Recordkeeping | $87,945 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $106,759 | $72,658+46.9% | $127,803-16.5% | $67,584+58.0% |
| Participation rate | 100.0% | 80.0%+20.0pp | 79.0%+21.0pp | 71.3%+28.7pp |
| Annual return | 16.04% | 26.49%-10.5pp | 26.14%-10.1pp | 378.59%-362.5pp |
| Employer contribution / active EE | $6,963 | $3,988+74.6% | $4,576+52.2% | $2,148+224.2% |
| Participant deferral / active EE | $0 | $5,383-100.0% | $6,023-100.0% | $3,540-100.0% |
| Admin fee / account holder | $307 | $127+142.1% | $9,399-96.7% | $142+116.0% |