Filings through .
5 of 18 flags tripped on the 2025 filing.
Low participation
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
High fees
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Low returns
Annual investment return is in the bottom quintile of the peer cohort.
Few collective trusts
0% of fund dollars in collective trusts, which often cost less than the same strategy as a mutual fund.
Recently reached 100 employees
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
How this plan compares with plans of the same size, type and industry, and how it moved year over year.
Each metric ranked against plans of the same size, type and industry.
Peer percentiles for 6 metrics are on Pro. Pro shows the percentile for each metric against plans of the same size and industry. Free for 7 days, then $49 a month.
Showing the 2025 filing, 1 of 10 years on record. Charts need 3 years.
9 more years of history are on Pro. Pro shows up to ten years of filings for this plan, year over year. Free for 7 days, then $49 a month.
$38K in admin expenses, $190 per participant (all participants, line 6f).
The funds on the plan's investment schedule and what changed since the prior filing.
7 funds of $250K or more; 10 lines in all, holding $6.5M of the plan's $6.7M. Recordkeeper: Empower.
| Fund | Dollars | % of funds% |
|---|---|---|
| Fidelity Fidelity (FMR) · Mutual fund | $2.1M | 33.1% |
| JPMorgan JPMorgan · Mutual fund | $1.4M | 21.5% |
| American Funds Capital Group · Mutual fund | $938K | 14.5% |
| American Century Investments American Century · Mutual fund | $431K | 6.6% |
| Empower Trust Company Empower · Insurance contract Recordkeeper's own fund | $427K | 6.6% |
| Pacific Investment Management Company Manager not matched · Mutual fund | $402K | 6.2% |
| MFS Investment Management MFS (Sun Life) · Mutual fund | $268K | 4.1% |
| Janus Henderson Investors Janus Henderson · Mutual fund | $185K | 2.9% |
| ClearBridge Investments Franklin Templeton · Mutual fund | $150K | 2.3% |
| Dimensional Fund Advisors Dimensional · Mutual fund | $139K | 2.1% |
Covers 71,410 large plans that list their funds in their annual filing. Updated Nov 6, 2026. Shares describe these plans, not the whole market.
Who is paid to serve the plan, who audits it, and who signs the filing.
Top 4 by compensation.
| Provider | Compensation |
|---|---|
EMPOWER ADVISORY GROUP, LLC2 years Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 Recordkeeping Fees | $38,218 |
UBS FINANCIAL SERVICES INC6 years Filed as: UBS FINANCIAL SERVICES Service code 27 · EIN 51-0120742 P.O. BOX 198928 · NASHVILLE, TN 37238 Advisory (Plan) | $20,298 |
KB ACTUARIAL, INC.1 year Service code 13 Contract Administrator | $2,843 |
KB ACTUARIAL, INC.6 years Filed as: KB ACTUARIAL, INC Service code 13 · EIN 27-1837997 PO BOX 1290 · YUCAIPA, CA 92399 Contract Administrator | $2,666 |
The auditor signed off without reservation. This is the cleanest opinion.
Plan features from the filing, actuarial disclosures and related pages.
6 feature codes on the 2025 filing.
2 contacts
10 filings · 2016 to 2025