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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 · EIN 84-0467907 | Recordkeeping Fees | $227,067 |
GOLDMAN SACHS5 years Filed as: FOUR POINTS CAPITAL PARTNERS LLC Service code 27 · EIN 76-0543859 | Advisory (Plan) | $51,962 |
PROVENANCE WEALTH ADVISORS5 years Filed as: PROVENANCE WEALTH ADVISORS, LLC Service code 27 · EIN 65-0978008 | Advisory (Plan) | $51,962 |
WRIGHT FORD YOUNG & CO5 years Filed as: WRIGHT FORD YOUNG & CO. Service code 10 · EIN 95-3288054 | Accounting | $8,500 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $87,621 | $71,142+23.2% | $119,634-26.8% | $64,824+35.2% |
| Participation rate | 95.4% | 78.6%+16.8pp | 79.3%+16.2pp | 71.5%+24.0pp |
| Annual return | -19.35% | -10.01%-9.3pp | -14.98%-4.4pp | 32.84%-52.2pp |
| Employer contribution / active EE | $1,778 | $2,497-28.8% | $4,232-58.0% | $2,507-29.1% |
| Participant deferral / active EE | $5,898 | $4,490+31.4% | $5,601+5.3% | $4,311+36.8% |
| Admin fee / account holder | $400 | $162+146.7% | $10,329-96.1% | $188+112.9% |