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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INS. CO. OF AMERICA Service code 64 · EIN 84-0467907 | Recordkeeping Fees | $50 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $37,981 | $64,010-40.7% | $108,359-64.9% | $64,340-41.0% |
| Participation rate | 6.9% | 49.4%-42.5pp | 70.1%-63.2pp | 55.2%-48.3pp |
| Annual return | 11.54% | 19.74%-8.2pp | 36.89%-25.4pp | 24.14%-12.6pp |
| Employer contribution / active EE | $0 | $1,029-100.0% | $2,399-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $314 | $2,395-86.9% | $4,137-92.4% | $2,980-89.5% |
| Admin fee / account holder | $1,921 | $4,885-60.7% | $9,741-80.3% | $3,703-48.1% |