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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 | $30,385-39.0% | $56,054-66.9% | $74,400-75.1% |
| Participation rate | 72.1% | 32.9%+39.2pp | 52.5%+19.6pp | 67.2%+4.9pp |
| Annual return | 15.07% | 24.92%-9.8pp | 1705.95%-1690.9pp | 1367.51%-1352.4pp |
| Employer contribution / active EE | $554 | $609-9.0% | $1,039-46.7% | $2,624-78.9% |
| Participant deferral / active EE | $2,678 | $1,174+128.2% | $1,952+37.2% | $4,348-38.4% |
| Admin fee / account holder | $98 | $2,361-95.8% | $2,822-96.5% | $1,944-94.9% |