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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 | $157,154 |
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $46,000 |
HOWARD SIMON & ASSOCIATES, INC.9+ years Service code 13 PO BOX 2549 · NORTHBROOK, IL 600652549 | Contract Administrator | $34,042 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $7,445 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
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 | $71,956 | $47,180+52.5% | $149,723-51.9% | $74,473-3.4% |
| Participation rate | 41.7% | 63.4%-21.7pp | 78.8%-37.1pp | 70.7%-29.1pp |
| Annual return | 10.70% | 22.75%-12.0pp | 134.50%-123.8pp | 34.36%-23.7pp |
| Employer contribution / active EE | $473 | $1,907-75.2% | $4,821-90.2% | $2,638-82.1% |
| Participant deferral / active EE | $737 | $2,730-73.0% | $5,682-87.0% | $4,530-83.7% |
| Admin fee / account holder | $610 | $343+77.7% | $13,215-95.4% | $347+75.7% |