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| Provider | Service type | Compensation |
|---|---|---|
BALDWIN & BALDWIN PLLC1 year Filed as: THE BALDWIN GROUP WEALTH ADVISORS Service code 27 2050 MAIN ST STE 510 · IRVINE, CA 92614 | Advisory (Plan) | $37,871 |
Filed as: EMPOWER ANNITY INS CO OF AMERICA Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $16,445 |
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.)
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 | $70,303 | $73,532-4.4% | $178,505-60.6% | $74,478-5.6% |
| Participation rate | 51.1% | 66.6%-15.5pp | 77.1%-26.1pp | 67.2%-16.2pp |
| Annual return | 13.74% | 17.49%-3.8pp | 27.16%-13.4pp | 1370.56%-1356.8pp |
| Employer contribution / active EE | $1,289 | $2,221-41.9% | $3,955-67.4% | $2,626-50.9% |
| Participant deferral / active EE | $3,171 | $4,519-29.8% | $6,280-49.5% | $4,350-27.1% |
| Admin fee / account holder | $350 | $1,813-80.7% | $10,428-96.6% | $1,946-82.0% |