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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD, CO 80111 | Recordkeeping Fees | $28,359 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $2,889 |
ASCENSUS LLC1+ years Filed as: FUTUREPLAN BY ASCENSUS - BPC Service code 13 PO BOX 56018 · BOSTON, MA 02205 | Contract Administrator | $1,332 |
Filed as: NORTHWESTERN MUTUAL INVESTMENT SVCS Service code 55 720 E WISCONSIN AVE · MILWAUKEE, WI 53202 | Other Commissions | $0 |
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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $38,236 | $102,661-62.8% | $151,639-74.8% | $66,938-42.9% |
| Participation rate | 52.1% | 85.5%-33.5pp | 87.5%-35.4pp | 69.8%-17.7pp |
| Annual return | 0.49% | -10.81%+11.3pp | 3.34%-2.8pp | 1.58%-1.1pp |
| Employer contribution / active EE | $3,251 | $4,184-22.3% | $6,165-47.3% | $2,545+27.7% |
| Participant deferral / active EE | $5,573 | $6,645-16.1% | $8,363-33.4% | $4,238+31.5% |
| Admin fee / account holder | $316 | $630-49.8% | $11,613-97.3% | $594-46.7% |