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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 27 · EIN 13-5674085 | Advisory (Plan) | $7,861 |
Service code 13 · EIN 45-4208939 | Contract Administrator | $2,262 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $638 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $73,903 | $63,442+16.5% | $68,794+7.4% | $66,930+10.4% |
| Participation rate | 56.5% | 60.0%-3.5pp | 69.0%-12.6pp | 69.8%-13.4pp |
| Annual return | -14.28% | -8.29%-6.0pp | -6.37%-7.9pp | 1.57%-15.9pp |
| Employer contribution / active EE | $228 | $1,775-87.1% | $2,656-91.4% | $2,545-91.0% |
| Participant deferral / active EE | $2,211 | $2,945-24.9% | $3,941-43.9% | $4,238-47.8% |
| Admin fee / account holder | $371 | $577-35.8% | $4,934-92.5% | $593-37.6% |