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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $12,266 |
OSAIC WEALTH INC1 year Filed as: OSAIC WEALTH, INC Service code 27 10 EXCHANGE PLACE STE 1410 · JERSEY CITY, NJ 07302 | Advisory (Plan) | $9,502 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $5,377 |
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.)
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 | $25,870 | $54,717-52.7% | $86,209-70.0% | $71,495-63.8% |
| Participation rate | 56.0% | 60.1%-4.1pp | 69.0%-13.0pp | 67.9%-12.0pp |
| Annual return | 12.06% | 20.07%-8.0pp | 1169.05%-1157.0pp | 28.85%-16.8pp |
| Employer contribution / active EE | $1,398 | $1,267+10.3% | $2,381-41.3% | $2,589-46.0% |
| Participant deferral / active EE | $2,248 | $3,110-27.7% | $3,986-43.6% | $4,291-47.6% |
| Admin fee / account holder | $312 | $1,922-83.8% | $6,853-95.4% | $1,588-80.3% |