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| Provider | Service type | Compensation |
|---|---|---|
CREATIVE PLANNING LLC3 years Service code 27 5440 W 110TH ST STE 102 · OVERLAND PARK, KS 66211 | Advisory (Plan) | $22,803 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $2,612 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $1,681 |
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $18,537 | $34,932-46.9% | $56,441-67.2% | $74,546-75.1% |
| Participation rate | 72.1% | 32.9%+39.2pp | 52.5%+19.6pp | 67.2%+4.9pp |
| Annual return | 15.07% | 24.90%-9.8pp | 1704.21%-1689.1pp | 1366.03%-1351.0pp |
| Employer contribution / active EE | $554 | $608-8.9% | $1,039-46.7% | $2,624-78.9% |
| Participant deferral / active EE | $2,678 | $1,173+128.3% | $1,953+37.1% | $4,347-38.4% |
| Admin fee / account holder | $98 | $2,359-95.8% | $2,829-96.5% | $1,944-94.9% |