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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 4340 REDWOOD HWY · SAN RAFAEL, CA 94903 | Advisory (Plan) | $22,760 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $19,370 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $3,688 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $51,612 | $101,591-49.2% | $147,096-64.9% | $74,429-30.7% |
| Participation rate | 56.2% | 75.5%-19.3pp | 82.2%-26.0pp | 67.2%-11.0pp |
| Annual return | 16.54% | 8746.45%-8729.9pp | 419.75%-403.2pp | 1368.38%-1351.8pp |
| Employer contribution / active EE | $4,283 | $3,813+12.3% | $4,936-13.2% | $2,625+63.2% |
| Participant deferral / active EE | $9,548 | $7,302+30.8% | $8,071+18.3% | $4,348+119.6% |
| Admin fee / account holder | $339 | $1,750-80.6% | $13,005-97.4% | $1,944-82.5% |