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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INS CO OF AMERICA Service code 64 · EIN 04-1590850 | Recordkeeping Fees | $35,208 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.)
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 | $32,587 | $43,236-24.6% | $82,744-60.6% | $77,906-58.2% |
| Participation rate | 54.8% | 64.2%-9.4pp | 72.6%-17.8pp | 73.7%-18.9pp |
| Annual return | -14.02% | 2.40%-16.4pp | 702.22%-716.2pp | 12.16%-26.2pp |
| Employer contribution / active EE | $288 | $1,924-85.1% | $3,008-90.4% | $2,846-89.9% |
| Participant deferral / active EE | $1,635 | $3,069-46.7% | $4,395-62.8% | $4,805-66.0% |
| Admin fee / account holder | $386 | $102+276.4% | $5,325-92.8% | $133+191.0% |