Filed November 9, 2018
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 27 · EIN 13-5674085 | Advisory (Plan) | $36,698 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $24,726 |
CARDINAL PENSION GROUP, INC.10+ years Service code 13 | Contract Administrator | $5,972 |
Filed as: EMPOWER ADVISORY GROUP LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $1,628 |
CARDINAL PENSION GROUP, INC.7 years Filed as: CARDINAL PENSION GROUP INC. Service code 13 · EIN 26-3253999 | Contract Administrator | $0 |
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.)
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $85,828 | $48,750+76.1% | $88,946-3.5% | $74,304+15.5% |
| Participation rate | 56.8% | 44.5%+12.3pp | 68.8%-12.1pp | 60.3%-3.6pp |
| Annual return | 16.96% | 25.91%-8.9pp | 57.82%-40.9pp | 29.43%-12.5pp |
| Employer contribution / active EE | $1,795 | $1,255+43.1% | $2,555-29.7% | $2,241-19.9% |
| Participant deferral / active EE | $3,584 | $2,423+47.9% | $4,581-21.8% | $3,767-4.9% |
| Admin fee / account holder | $381 | $3,756-89.9% | $8,261-95.4% | $2,969-87.2% |