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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $36,111 |
Service code 27 1400 AMERICAN BLVD BLDG #4 · PENNINGTON, NJ 08534 | Advisory (Plan) | $13,747 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $1,043 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,261 | $101,795-69.3% | $165,100-81.1% | $80,959-61.4% |
| Participation rate | 73.3% | 71.8%+1.4pp | 78.6%-5.4pp | 67.7%+5.6pp |
| Annual return | 13.85% | 16.73%-2.9pp | 70.21%-56.4pp | 35.67%-21.8pp |
| Employer contribution / active EE | $423 | $2,954-85.7% | $4,348-90.3% | $2,757-84.6% |
| Participant deferral / active EE | $4,233 | $4,476-5.4% | $6,035-29.9% | $4,300-1.6% |
| Admin fee / account holder | $328 | $8,221-96.0% | $12,696-97.4% | $6,925-95.3% |