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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $55,270 |
THE RETIREMENT ADVANTAGE INC5 years Filed as: THE RETIREMENT ADVANTAGE, INC Service code 13 · EIN 39-1816008 | Contract Administrator | $10,341 |
Filed as: CAMBRIDGE INVESTMENT RESEARCH INC Service code 55 1776 PLEASANT PLAIN RD · FAIRFIELD, IA 52556 | Other Commissions | $618 |
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.)
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 | $128,047 | $121,671+5.2% | $211,142-39.4% | $64,340+99.0% |
| Participation rate | 69.7% | 76.5%-6.8pp | 87.3%-17.6pp | 55.2%+14.4pp |
| Annual return | 23.36% | 21.43%+1.9pp | 46.84%-23.5pp | 24.14%-0.8pp |
| Employer contribution / active EE | $2,974 | $4,066-26.9% | $6,442-53.8% | $1,862+59.7% |
| Participant deferral / active EE | $8,567 | $6,049+41.6% | $9,284-7.7% | $2,980+187.4% |
| Admin fee / account holder | $396 | $4,774-91.7% | $19,076-97.9% | $3,703-89.3% |