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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 | $39,480 |
WILMINGTON TRUST2 years Filed as: WILMINGTON TRUST, N.A. Service code 27 1100 NORTH MARKET ST · WILMINGTON, DE 19801 | Advisory (Plan) | $29,453 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $7,826 |
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 | $85,023 | $54,245+56.7% | $93,727-9.3% | $77,762+9.3% |
| Participation rate | 46.5% | 63.9%-17.5pp | 68.7%-22.2pp | 70.6%-24.1pp |
| Annual return | 14.87% | 30.58%-15.7pp | 133.83%-119.0pp | 31.27%-16.4pp |
| Employer contribution / active EE | $1,400 | $1,168+19.9% | $2,421-42.2% | $2,728-48.7% |
| Participant deferral / active EE | $3,338 | $3,144+6.2% | $4,417-24.4% | $4,651-28.2% |
| Admin fee / account holder | $328 | $575-43.0% | $8,292-96.0% | $433-24.2% |