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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 | $112,531 |
MMA SECURITIES LLC5 years Service code 55 PO BOX 9497 · NEW YORK, NY 10087 | Other Commissions | $51,450 |
AMERICAN REALTY ADVISORS5 years Filed as: AMERICAN PENSION Service code 13 | Contract Administrator | $10,000 |
Service code 99 1801 CALIFORNIA STREET · DENVER, CO 80202 | Other Fees | $5,248 |
AMERICAN REALTY ADVISORS1 year Filed as: AMERICAN PENSION, LLC Service code 13 186 SHERMAN AVENUE · BERKELEY HEIGHTS, NJ 07069 | Contract Administrator | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $76,586 | $81,948-6.5% | $90,766-15.6% | $64,824+18.1% |
| Participation rate | 85.2% | 80.5%+4.7pp | 75.7%+9.5pp | 71.5%+13.7pp |
| Annual return | -14.33% | -12.53%-1.8pp | -12.16%-2.2pp | 32.84%-47.2pp |
| Employer contribution / active EE | $2,521 | $3,067-17.8% | $2,922-13.7% | $2,507+0.6% |
| Participant deferral / active EE | $5,300 | $4,844+9.4% | $4,565+16.1% | $4,311+22.9% |
| Admin fee / account holder | $404 | $157+157.5% | $8,446-95.2% | $188+115.3% |