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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $26,554 |
Service code 55 5707 SW PKWY BLDG 2 STE 400 · AUSTIN, TX 78735 | Other Commissions | $15,551 |
Filed as: EMPOWER RETIREMENT ADVISORY SERVICE Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $3,220 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,885 | $89,739-53.3% | $149,721-72.0% | $62,293-32.8% |
| Participation rate | 62.4% | 85.1%-22.7pp | 87.1%-24.7pp | 69.5%-7.1pp |
| Annual return | 18.93% | 21.01%-2.1pp | 1501.67%-1482.7pp | 28.90%-10.0pp |
| Employer contribution / active EE | $1,794 | $3,233-44.5% | $5,444-67.0% | $2,042-12.2% |
| Participant deferral / active EE | $3,987 | $4,797-16.9% | $6,568-39.3% | $3,169+25.8% |
| Admin fee / account holder | $335 | $551-39.3% | $11,282-97.0% | $479-30.2% |