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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER LIFE & ANNUITY INSURANCE CO Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $63,394 |
UBS FINANCIAL SERVICES INC4 years Service code 27 PO BOX 198928 · NASHVILLE, TN 37238 | Advisory (Plan) | $44,228 |
WHITTLESEY PC8 years Filed as: WHITTLESEY & HADLEY PC Service code 10 2800 TRUMBULL STREET · HARTFORD, CT 06103 | Accounting | $38,767 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $2,581 |
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 | $82,239 | $51,878+58.5% | $68,368+20.3% | $79,634+3.3% |
| Participation rate | 41.1% | 53.7%-12.6pp | 73.8%-32.6pp | 62.5%-21.3pp |
| Annual return | 14.94% | 137.43%-122.5pp | 292.57%-277.6pp | 36.46%-21.5pp |
| Employer contribution / active EE | $418 | $1,931-78.4% | $2,649-84.2% | $2,529-83.5% |
| Participant deferral / active EE | $2,618 | $2,577+1.6% | $4,123-36.5% | $3,835-31.7% |
| Admin fee / account holder | $349 | $942-62.9% | $5,150-93.2% | $1,002-65.1% |