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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CREATIVE RETIREMENT SYSTEMS Service code 13 25 MERCHANT ST STE 135 · CINCINNATI, OH 45246 | Contract Administrator | $750 |
Filed as: EMPOWER ANNUITY INSRUANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD, CO 80111 | Recordkeeping Fees | $700 |
Filed as: CREATIVE RETIREMENT SYSTEMS, INC Service code 13 | Contract Administrator | $494 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD, CO 80111 | Investment Management | $417 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,762 | $65,428-83.6% | $169,390-93.6% | $71,511-85.0% |
| Participation rate | 36.0% | 66.9%-30.8pp | 77.2%-41.1pp | 67.9%-31.9pp |
| Annual return | 26.99% | 21.35%+5.6pp | 406.07%-379.1pp | 28.86%-1.9pp |
| Employer contribution / active EE | $830 | $2,064-59.8% | $4,013-79.3% | $2,589-68.0% |
| Participant deferral / active EE | $1,647 | $4,360-62.2% | $6,222-73.5% | $4,291-61.6% |
| Admin fee / account holder | $13 | $1,328-99.0% | $9,015-99.9% | $1,588-99.2% |