Filed December 9, 2024
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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 | $320,337 |
UBS FINANCIAL SERVICES INC2 years Service code 27 PO BOX 198928 · NASHVILLE, TN 37238 | Advisory (Plan) | $147,705 |
Filed as: CAPFINANCIAL PARTNERS LLC DBA CAPTR Service code 27 4208 SIX FORKS RD STE 1700 · RALEIGH, NC 27609 | Advisory (Plan) | $19,500 |
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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $74,306 | $76,209-2.5% | $81,370-8.7% | $200,096-62.9% |
| Participation rate | 42.5% | 76.4%-33.9pp | 69.5%-27.0pp | 72.0%-29.5pp |
| Annual return | 11.14% | 15.55%-4.4pp | 24.85%-13.7pp | 34.26%-23.1pp |
| Employer contribution / active EE | $779 | $2,807-72.3% | $2,464-68.4% | $3,038-74.4% |
| Participant deferral / active EE | $1,809 | $4,210-57.0% | $3,885-53.4% | $5,090-64.5% |
| Admin fee / account holder | $232 | $146+58.7% | $5,749-96.0% | $269-14.0% |