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) | $32,478 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $1,497 |
Filed as: EMPOWER ADVISORY GROUP LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $328 |
CARDINAL PENSION GROUP, INC.6 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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,085 | $45,123+55.3% | $85,240-17.8% | $74,478-5.9% |
| Participation rate | 49.6% | 49.4%+0.2pp | 67.5%-18.0pp | 67.2%-17.7pp |
| Annual return | 13.21% | 26.32%-13.1pp | 66.75%-53.5pp | 1370.56%-1357.4pp |
| Employer contribution / active EE | $1,636 | $1,459+12.2% | $2,735-40.2% | $2,626-37.7% |
| Participant deferral / active EE | $3,226 | $2,736+17.9% | $4,527-28.7% | $4,350-25.8% |
| Admin fee / account holder | $324 | $2,215-85.4% | $6,165-94.7% | $1,946-83.3% |