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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $9,602 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $7,824 |
Filed as: M2B RETIREMENT CONSULTING, LLC Service code 13 · EIN 81-3989034 | Contract Administrator | $4,470 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,093 | $55,437-54.7% | $155,534-83.9% | $74,459-66.3% |
| Participation rate | 62.8% | 61.9%+0.9pp | 78.2%-15.4pp | 67.2%-4.4pp |
| Annual return | 9.37% | 269.58%-260.2pp | 64.92%-55.5pp | 1369.70%-1360.3pp |
| Employer contribution / active EE | $471 | $2,266-79.2% | $4,675-89.9% | $2,626-82.1% |
| Participant deferral / active EE | $1,241 | $2,837-56.3% | $5,630-78.0% | $4,350-71.5% |
| Admin fee / account holder | $135 | $1,742-92.2% | $15,900-99.1% | $1,945-93.1% |