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| Provider | Service type | Compensation |
|---|---|---|
CREATIVE PLANNING LLC2 years Service code 27 5440 W 110TH ST STE 102 · OVERLAND PARK, KS 66211 | Advisory (Plan) | $18,657 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $1,763 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $1,691 |
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 | $14,074 | $27,800-49.4% | $58,544-76.0% | $71,495-80.3% |
| Participation rate | 83.3% | 34.6%+48.7pp | 50.9%+32.5pp | 67.9%+15.4pp |
| Annual return | 14.95% | 26.80%-11.9pp | 4249.56%-4234.6pp | 28.85%-13.9pp |
| Employer contribution / active EE | $731 | $632+15.8% | $1,053-30.6% | $2,589-71.8% |
| Participant deferral / active EE | $3,260 | $1,208+169.8% | $1,923+69.5% | $4,291-24.0% |
| Admin fee / account holder | $75 | $1,637-95.4% | $2,520-97.0% | $1,588-95.3% |