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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INS CO OF AMERICA Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $153,579 |
LINSCO/PRIVATE LEDGER CORP7 years Service code 55 9785 TOWNE CENTRE DRIVE · SAN DIEGO, CA 92121 | Other Commissions | $51,913 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $46,628 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,189 | $26,906-21.2% | $61,501-65.5% | $77,906-72.8% |
| Participation rate | 30.3% | 33.4%-3.1pp | 52.6%-22.3pp | 73.7%-43.4pp |
| Annual return | -18.37% | -14.46%-3.9pp | 339.04%-357.4pp | 12.16%-30.5pp |
| Employer contribution / active EE | $180 | $521-65.5% | $1,160-84.5% | $2,846-93.7% |
| Participant deferral / active EE | $1,225 | $1,180+3.8% | $2,125-42.3% | $4,805-74.5% |
| Admin fee / account holder | $91 | $117-21.9% | $2,132-95.7% | $133-31.1% |