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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $113,723 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $44,798 |
MORGAN STANLEY SMITH BARNEY10+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 55 1 NEW YORK PLZ 12TH FLOOR · NEW YORK, NY 10004 | Other Commissions | $33,146 |
GREAT LAKES ADVISORS, LLC10+ years Filed as: GREAT LAKES PENSION ASSOC., INC. Service code 13 · EIN 38-2438760 37923 WEST 12 MILE ROAD · FARMINGTON HILLS, MI 48331 | Contract Administrator | $21,265 |
MORGAN STANLEY SMITH BARNEY10+ years Filed as: MORGAN STANLEY INSURANCE SVCS INC. Service code 55 1 NEW YORK PLZ 12TH FLOOR · NEW YORK, NY 10004 | Other Commissions | $2,136 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $85,545 | $82,979+3.1% | $102,412-16.5% | $77,736+10.0% |
| Participation rate | 69.1% | 71.5%-2.4pp | 74.5%-5.4pp | 70.6%-1.5pp |
| Annual return | 12.60% | 19.11%-6.5pp | 24.94%-12.3pp | 31.26%-18.7pp |
| Employer contribution / active EE | $3,446 | $3,554-3.0% | $3,870-11.0% | $2,728+26.3% |
| Participant deferral / active EE | $4,906 | $4,109+19.4% | $5,060-3.0% | $4,651+5.5% |
| Admin fee / account holder | $348 | $639-45.6% | $8,388-95.9% | $433-19.8% |