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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 | $24,440 |
M HOLDINGS SECURITIES INC6 years Service code 55 PO BOX 2207 · PORTLAND, OR 97208 | Other Commissions | $18,458 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $5,332 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $131,760 | $91,439+44.1% | $135,974-3.1% | $71,511+84.3% |
| Participation rate | 57.8% | 75.7%-17.9pp | 81.9%-24.2pp | 67.9%-10.2pp |
| Annual return | 19.74% | 29.90%-10.2pp | 68.30%-48.6pp | 28.86%-9.1pp |
| Employer contribution / active EE | $1,391 | $3,705-62.4% | $4,859-71.4% | $2,589-46.3% |
| Participant deferral / active EE | $4,614 | $7,093-34.9% | $7,760-40.5% | $4,291+7.5% |
| Admin fee / account holder | $304 | $1,267-76.0% | $10,767-97.2% | $1,588-80.9% |