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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 | $18,393 |
Filed as: GALLAGHER BENEFIT SERVICES INC DBA Service code 27 1100 SUPERIOR AVE STE 1700 · CLEVELAND, OH 44114 | Advisory (Plan) | $13,711 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $8,248 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,924 | $98,547-50.4% | $216,567-77.4% | $69,733-29.8% |
| Participation rate | 44.3% | 68.4%-24.0pp | 81.6%-37.3pp | 62.5%-18.1pp |
| Annual return | 5.19% | 14.25%-9.1pp | 12.94%-7.8pp | 15.22%-10.0pp |
| Employer contribution / active EE | $193 | $2,660-92.7% | $5,216-96.3% | $2,250-91.4% |
| Participant deferral / active EE | $2,571 | $3,496-26.4% | $6,191-58.5% | $3,054-15.8% |
| Admin fee / account holder | $351 | $4,094-91.4% | $21,981-98.4% | $3,102-88.7% |