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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 4208 SIX FORKS RD STE 1700 · RALEIGH, NC 27609 | Advisory (Plan) | $39,324 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $1,299 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $72,097 | $49,451+45.8% | $79,580-9.4% | $66,938+7.7% |
| Participation rate | 39.8% | 61.3%-21.6pp | 69.5%-29.7pp | 69.8%-30.0pp |
| Annual return | -16.37% | 84.25%-100.6pp | 0.15%-16.5pp | 1.58%-17.9pp |
| Employer contribution / active EE | $16 | $1,266-98.7% | $2,413-99.3% | $2,545-99.4% |
| Participant deferral / active EE | $4,167 | $3,159+31.9% | $3,985+4.6% | $4,238-1.7% |
| Admin fee / account holder | $918 | $595+54.4% | $6,835-86.6% | $594+54.7% |