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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 | $26,749 |
SAGEPOINT FINANCIAL INC1 year Filed as: FSC SECURITIES CORP Service code 27 · EIN 58-1288674 | Advisory (Plan) | $11,453 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,012 | $45,602-1.3% | $117,498-61.7% | $66,930-32.7% |
| Participation rate | 35.0% | 57.6%-22.6pp | 70.6%-35.6pp | 69.8%-34.8pp |
| Annual return | -14.06% | -16.74%+2.7pp | 29.75%-43.8pp | 1.57%-15.6pp |
| Employer contribution / active EE | $799 | $1,579-49.4% | $4,178-80.9% | $2,545-68.6% |
| Participant deferral / active EE | $1,247 | $2,845-56.2% | $4,071-69.4% | $4,238-70.6% |
| Admin fee / account holder | $472 | $661-28.6% | $5,646-91.6% | $593-20.5% |