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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $18,110 |
RYAN LABS ASSET MANAGEMENT8 years Filed as: RYAN & COSCIA PC Service code 10 256 ESSEX ST · SALEM, MA 01970 | Accounting | $16,000 |
Service code 27 4340 REDWOOD HWY · SAN RAFAEL, CA 94903 | Advisory (Plan) | $10,932 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $3,767 |
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.)
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 | $48,562 | $54,679-11.2% | $76,119-36.2% | $74,459-34.8% |
| Participation rate | 55.7% | 60.3%-4.6pp | 69.1%-13.4pp | 67.2%-11.5pp |
| Annual return | 20.38% | 31.90%-11.5pp | 361.25%-340.9pp | 1369.70%-1349.3pp |
| Employer contribution / active EE | $880 | $1,781-50.6% | $2,693-67.3% | $2,626-66.5% |
| Participant deferral / active EE | $2,228 | $3,072-27.5% | $4,259-47.7% | $4,350-48.8% |
| Admin fee / account holder | $531 | $2,238-76.3% | $6,421-91.7% | $1,945-72.7% |