Filed November 20, 2017
Total covered: 3 employees
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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 | $33,184 |
CADARET GRANT & CO INC3 years Service code 55 1 LINCOLN CTR 5TH FL · SYRACUSE, NY 13202 | Other Commissions | $26,600 |
THE WATERFORD GROUP LLC1 year Service code 27 1657 E AVE STE 200 · ROCHESTER, NY 14610 | Advisory (Plan) | $16,162 |
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 | $127,925 | $101,591+25.9% | $147,096-13.0% | $74,429+71.9% |
| Participation rate | 79.1% | 75.5%+3.6pp | 82.2%-3.1pp | 67.2%+11.9pp |
| Annual return | 17.66% | 8746.45%-8728.8pp | 419.75%-402.1pp | 1368.38%-1350.7pp |
| Employer contribution / active EE | $1,642 | $3,813-56.9% | $4,936-66.7% | $2,625-37.5% |
| Participant deferral / active EE | $9,946 | $7,302+36.2% | $8,071+23.2% | $4,348+128.7% |
| Admin fee / account holder | $461 | $1,750-73.6% | $13,005-96.5% | $1,944-76.3% |