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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INS. CO. OF AMERICA Service code 64 · EIN 84-0467907 | Recordkeeping Fees | $5,910 |
CW ASSOCIATES9+ years Filed as: P.K.Y. ASSOCIATES Service code 13 · EIN 16-1418035 | Contract Administrator | $0 |
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 | $30,686 | $54,717-43.9% | $86,216-64.4% | $71,511-57.1% |
| Participation rate | 7.8% | 60.1%-52.3pp | 69.0%-61.1pp | 67.9%-60.1pp |
| Annual return | 8.05% | 20.07%-12.0pp | 1169.42%-1161.4pp | 28.86%-20.8pp |
| Employer contribution / active EE | $0 | $1,267-100.0% | $2,382-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $327 | $3,110-89.5% | $3,986-91.8% | $4,291-92.4% |
| Admin fee / account holder | $5,802 | $1,922+201.8% | $6,853-15.3% | $1,588+265.2% |