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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 27 · EIN 13-5674085 | Advisory (Plan) | $6,975 |
HUNNEX AND SHOEMAKER, INC.7 years Service code 13 · EIN 91-1072394 | Contract Administrator | $1,351 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 · EIN 84-0467907 | Recordkeeping Fees | $150 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 | Investment Management | $18 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $91,090 | $88,186+3.3% | $165,071-44.8% | $74,459+22.3% |
| Participation rate | 78.3% | 73.1%+5.2pp | 78.6%-0.3pp | 67.2%+11.1pp |
| Annual return | 10.44% | 17.13%-6.7pp | 70.17%-59.7pp | 1369.70%-1359.3pp |
| Employer contribution / active EE | $1,828 | $2,600-29.7% | $4,347-58.0% | $2,626-30.4% |
| Participant deferral / active EE | $718 | $4,505-84.1% | $6,035-88.1% | $4,350-83.5% |
| Admin fee / account holder | $549 | $2,234-75.4% | $12,695-95.7% | $1,945-71.8% |