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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.)
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 | $67,638-43.8% | $133,346-71.5% | $69,733-45.5% |
| Participation rate | 6.9% | 54.3%-47.4pp | 72.8%-65.9pp | 62.5%-55.5pp |
| Annual return | 11.54% | 13.38%-1.8pp | 36.85%-25.3pp | 15.22%-3.7pp |
| Employer contribution / active EE | $0 | $1,177-100.0% | $2,853-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $314 | $2,567-87.8% | $4,332-92.8% | $3,054-89.7% |
| Admin fee / account holder | $1,921 | $4,814-60.1% | $14,264-86.5% | $3,102-38.1% |