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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $21,707 |
Filed as: COMMONWEALTH EQUITY SERVICES LLC Service code 27 29 SAWYER RD · WALTHAM, MA 024533483 | Advisory (Plan) | $7,500 |
Filed as: ADVISED ASSETS GROUP Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $3,440 |
PENSION ASSURANCE LLP3 years Filed as: PENSION PLANNERS NORTHWEST Service code 49 · EIN 93-1160402 1600 VALLEY RIVER DRIVE, STE. 340 · EUGENE, OR 97401 | Other Services | $2,832 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,864 | $59,328-17.6% | $118,946-58.9% | $73,493-33.5% |
| Participation rate | 44.2% | 62.3%-18.1pp | 75.4%-31.2pp | 70.7%-26.5pp |
| Annual return | 10.21% | 19.13%-8.9pp | 35.89%-25.7pp | 28.51%-18.3pp |
| Employer contribution / active EE | $962 | $1,803-46.6% | $3,263-70.5% | $2,270-57.6% |
| Participant deferral / active EE | $1,494 | $2,604-42.6% | $4,266-65.0% | $3,740-60.1% |
| Admin fee / account holder | $456 | $600-24.1% | $6,581-93.1% | $513-11.2% |