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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 1400 AMERICAN BLD BLDG #4 · PENNINGTON, NJ 08534 | Advisory (Plan) | $23,060 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD RD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $4,517 |
ASCENSUS LLC1 year Filed as: ASCENSUS HOLDINGS DBA FUTUREPLAN Service code 13 · EIN 82-3719843 101 W BROADWAY · SAN DIEGO, CA 92101 | Contract Administrator | $1,350 |
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.
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 | $44,799 | $51,283-12.6% | $95,759-53.2% | $71,529-37.4% |
| Participation rate | 43.9% | 63.1%-19.2pp | 72.3%-28.4pp | 67.9%-24.0pp |
| Annual return | 11.44% | 25.25%-13.8pp | 28.42%-17.0pp | 28.97%-17.5pp |
| Employer contribution / active EE | $0 | $1,817-100.0% | $2,836-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $2,248 | $3,365-33.2% | $4,244-47.0% | $4,291-47.6% |
| Admin fee / account holder | $322 | $1,135-71.6% | $5,678-94.3% | $1,588-79.7% |