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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 | $26,158 |
Service code 53 · EIN 74-2794194 | Insurance Commissions | $13,075 |
Filed as: MASSACHUSETTS MUTUAL LIFE INSURANCE Service code 62 · EIN 04-1590850 | Float revenue; Recordkeeping fees | $9,113 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $84,770 | $46,599+81.9% | $64,101+32.2% | $75,173+12.8% |
| Participation rate | 70.6% | 65.9%+4.7pp | 72.3%-1.7pp | 67.2%+3.4pp |
| Annual return | 10.42% | 26.06%-15.6pp | 33.72%-23.3pp | 160.72%-150.3pp |
| Employer contribution / active EE | $1,822 | $1,975-7.8% | $2,749-33.7% | $2,671-31.8% |
| Participant deferral / active EE | $3,799 | $2,837+33.9% | $3,881-2.1% | $4,126-7.9% |
| Admin fee / account holder | $430 | $2,956-85.4% | $3,070-86.0% | $5,651-92.4% |