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| Provider | Service type | Compensation |
|---|---|---|
COMMERCE BANK7 years Service code 99 922 WALNUT ST · KANSAS CITY, MO 64106 | Other Fees | $40,801 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $24,559 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $2,351 |
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 | $135,679 | $86,655+56.6% | $119,622+13.4% | $66,938+102.7% |
| Participation rate | 65.1% | 75.6%-10.4pp | 79.3%-14.1pp | 69.8%-4.7pp |
| Annual return | -15.89% | -8.00%-7.9pp | -14.98%-0.9pp | 1.58%-17.5pp |
| Employer contribution / active EE | $2,486 | $2,536-2.0% | $4,232-41.3% | $2,545-2.3% |
| Participant deferral / active EE | $4,003 | $4,358-8.2% | $5,601-28.5% | $4,238-5.6% |
| Admin fee / account holder | $761 | $755+0.8% | $10,328-92.6% | $594+28.2% |