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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER LIFE & ANNUITY INSURANCE CO Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $39,282 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 55 1 NEW YORK PLZ · NEW YORK, NY 10004 | Other Commissions | $15,091 |
Service code 99 6300 BRIDGE POINT PKWY · AUSTIN, TX 787305097 | Other Fees | $3,407 |
Filed as: MORGAN STANLEY INVESTMENT SERVICES Service code 55 | Other Commissions | $494 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOORD VILLAGE, CO 80111 | Investment Management | $318 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY INSURANCE SERVICES Service code 55 1 NEW YORK PLZ · NEW YORK, NY 10004 | 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $56,643 | $51,207+10.6% | $70,565-19.7% | $71,529-20.8% |
| Participation rate | 45.9% | 59.4%-13.5pp | 68.4%-22.5pp | 67.9%-22.1pp |
| Annual return | 11.57% | 42.71%-31.1pp | 32.79%-21.2pp | 28.97%-17.4pp |
| Employer contribution / active EE | $909 | $1,795-49.4% | $2,976-69.5% | $2,590-64.9% |
| Participant deferral / active EE | $1,858 | $3,033-38.7% | $4,568-59.3% | $4,291-56.7% |
| Admin fee / account holder | $339 | $2,002-83.1% | $6,430-94.7% | $1,588-78.7% |