Filed December 28, 2020
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INS CO OF AMERICA Service code 64 8515 E ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $273,811 |
Filed as: GALLAGHER BENEFIT SERVIES, INC Service code 27 · EIN 36-4291971 | Advisory (Plan) | $70,633 |
THE ANGELL PENSION GROUP, INC.9+ years Service code 13 · EIN 04-2530412 | Contract Administrator | $63,119 |
Filed as: ASSOCIATED GROCERS OF N.E. Service code 10 · EIN 02-0218229 | Accounting | $34,500 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 E ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $1,287 |
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).
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 | $60,711 | $44,626+36.0% | $86,235-29.6% | $80,169-24.3% |
| Participation rate | 51.5% | 63.5%-12.1pp | 69.0%-17.5pp | 72.9%-21.5pp |
| Annual return | 13.74% | 19.61%-5.9pp | 1170.03%-1156.3pp | 40.39%-26.6pp |
| Employer contribution / active EE | $1,199 | $1,099+9.1% | $2,381-49.6% | $2,978-59.7% |
| Participant deferral / active EE | $1,773 | $2,769-36.0% | $3,987-55.5% | $5,016-64.7% |
| Admin fee / account holder | $355 | $133+166.9% | $6,856-94.8% | $145+145.2% |