| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 26 · EIN 84-1532243 | Advisory (Participants) | $833,838 |
CERITY PARTNERS3 years Filed as: CERITY PARTNERS LLC Service code 26 · EIN 27-1180831 | Advisory (Participants) | $473,951 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 15 · EIN 84-0467907 | Recordkeeping | $424,750 |
Filed as: GALLAGHER BENEFIT SERVICES INC DBA Service code 29 1100 SUPERIOR AVE STE 1700 · CLEVELAND, OH 44114 | Legal | $65,516 |
Filed as: CERITY PARTNERS RETIREMENT PLAN ADV Service code 13 335 MADISON AVE · NEW YORK, NY 10017 | Contract Administrator | $50,000 |
Service code 26 · EIN 56-2541684 | Advisory (Participants) | $46,771 |
ALTERNATIV WEALTH1 year Service code 26 · EIN 46-1769232 | Advisory (Participants) | $34,346 |
WITHUMSMITH+BROWN, PC3 years Service code 10 5 VAUGHN DRIVE · PRINCETON, NJ 08540 | Accounting | $34,008 |
CONQUIS FINANCIAL LLC3 years Service code 26 · EIN 87-4659168 | Advisory (Participants) | $28,482 |
SANCHEZ & ZURES LLC7 years Service code 26 · EIN 03-0580851 | Advisory (Participants) | $27,687 |
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).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $394,203 | $122,128+222.8% | $147,117+168.0% | $200,096+97.0% |
| Participation rate | 97.1% | 78.2%+18.9pp | 82.2%+14.9pp | 72.0%+25.1pp |
| Annual return | 13.68% | 30.58%-16.9pp | 420.54%-406.9pp | 34.26%-20.6pp |
| Employer contribution / active EE | $14,983 | $4,093+266.1% | $4,932+203.8% | $3,038+393.2% |
| Participant deferral / active EE | $17,775 | $8,484+109.5% | $8,065+120.4% | $5,090+249.2% |
| Admin fee / account holder | $432 | $180+140.5% | $12,993-96.7% | $269+60.3% |