Filed January 9, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $150,580 |
Filed as: EMPOWER ANNUITY INSURANCE Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $47,932 |
Service code 27 · EIN 59-2937883 | Advisory (Plan) | $36,384 |
ASCENSUS LLC5+ years Filed as: ACCESS RETIREMENT SERVICES LLC Service code 13 190D SAUNDERSVILLE RD, STE 4004 · HENDERSONVILLE, TN 37075 | Contract Administrator | $8,374 |
ASCENSUS LLC1 year Filed as: ACCESS RETIREMENT SERVICES, LLC Service code 16 · EIN 62-1700633 | Consulting | $8,028 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $4,652 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $25,186 | $53,216-52.7% | $155,534-83.8% | $199,960-87.4% |
| Participation rate | 44.7% | 64.1%-19.4pp | 78.2%-33.5pp | 72.0%-27.3pp |
| Annual return | 243.01% | 41.18%+201.8pp | 64.92%+178.1pp | 34.28%+208.7pp |
| Employer contribution / active EE | $541 | $1,848-70.7% | $4,675-88.4% | $3,036-82.2% |
| Participant deferral / active EE | $2,261 | $3,164-28.5% | $5,630-59.8% | $5,087-55.6% |
| Admin fee / account holder | $126 | $186-32.1% | $15,900-99.2% | $269-53.2% |