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| Provider | Service type | Compensation |
|---|---|---|
NICHOLAS PENSION CONSULTANTS2+ years Filed as: NICHOLAS GOLDWARE Service code 16 1313 CHICAGO AVE STE 200 · RIVERSIDE, CA 92507 | Consulting | $12,018 |
Filed as: EMPOWER RETIREMENT ADVISORY SERVICE Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $4,465 |
Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $830 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $35,032 | $42,546-17.7% | $71,796-51.2% | $55,167-36.5% |
| Participation rate | 47.7% | 59.1%-11.4pp | 69.1%-21.4pp | 69.0%-21.3pp |
| Annual return | 5.95% | 12.36%-6.4pp | 78.04%-72.1pp | 169.23%-163.3pp |
| Employer contribution / active EE | $119 | $803-85.2% | $1,924-93.8% | $1,963-94.0% |
| Participant deferral / active EE | $2,561 | $2,064+24.1% | $2,794-8.3% | $3,054-16.1% |
| Admin fee / account holder | $110 | $650-83.0% | $4,815-97.7% | $504-78.1% |