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| Provider | Service type | Compensation |
|---|---|---|
NFP RETIREMENT INC1 year Service code 27 120 VANTIS STE 400 · ALISO VIEJO, CA 92656 | Advisory (Plan) | $24,165 |
ACG ADVISORY SERVICES1 year Service code 27 1640 HUGUENOT ROAD · MIDLOTHIAN, VA 23113 | Advisory (Plan) | $18,747 |
ACTUARIAL BENEFITS CORP1 year Filed as: THE ACTUARIAL CONSULTING GROUP Service code 13 1640 HUGUENOT ROAD · MIDLOTHIAN, VA 23113 | Contract Administrator | $8,435 |
Filed as: EMPOWER ADVISORY GROUP LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $1,806 |
Filed as: EMPOWER ANNUITY INS CO OF AMERICA Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $1,101 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $72,699 | $101,591-28.4% | $147,096-50.6% | $74,429-2.3% |
| Participation rate | 94.3% | 75.5%+18.8pp | 82.2%+12.1pp | 67.2%+27.1pp |
| Annual return | 17.21% | 8746.45%-8729.2pp | 419.75%-402.5pp | 1368.38%-1351.2pp |
| Employer contribution / active EE | $12,585 | $3,813+230.1% | $4,936+155.0% | $2,625+379.5% |
| Participant deferral / active EE | $15,085 | $7,302+106.6% | $8,071+86.9% | $4,348+246.9% |
| Admin fee / account holder | $354 | $1,750-79.8% | $13,005-97.3% | $1,944-81.8% |