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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $65,275 |
Service code 27 1400 AMERICAN BLVD BLDG #4 · PENNINGTON, NJ 08534 | Advisory (Plan) | $30,578 |
Employer 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).
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 | $56,868 | $122,042-53.4% | $184,260-69.1% | $74,459-23.6% |
| Participation rate | 90.2% | 85.5%+4.7pp | 86.8%+3.4pp | 67.2%+23.0pp |
| Annual return | 11.43% | 19.91%-8.5pp | 28.84%-17.4pp | 1369.70%-1358.3pp |
| Employer contribution / active EE | $0 | $4,537-100.0% | $6,427-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $7,471 | $7,143+4.6% | $9,133-18.2% | $4,350+71.8% |
| Admin fee / account holder | $438 | $1,252-65.0% | $13,898-96.9% | $1,945-77.5% |