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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $58,555 |
Service code 27 1420 ROCKY RIDGE DR STE 140 · ROSEVILLE, CA 95661 | Advisory (Plan) | $21,000 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $2,426 |
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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,931 | $84,482-76.4% | $125,363-84.1% | $66,930-70.2% |
| Participation rate | 68.8% | 76.4%-7.6pp | 82.4%-13.6pp | 69.8%-1.0pp |
| Annual return | -17.43% | -8.49%-8.9pp | 572.15%-589.6pp | 1.57%-19.0pp |
| Employer contribution / active EE | $1,923 | $3,553-45.9% | $4,815-60.1% | $2,545-24.4% |
| Participant deferral / active EE | $2,796 | $6,782-58.8% | $7,447-62.5% | $4,238-34.0% |
| Admin fee / account holder | $554 | $685-19.1% | $10,005-94.5% | $593-6.7% |