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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $10,632 |
Filed as: CAMBRIDGE INVESTMENT GROUP Service code 27 1776 PLEASANT PLAIN ROAD · FAIRFIELD, IA 52556 | Advisory (Plan) | $7,168 |
Service code 13 2659 TOWNSGATE ROAD, STE 101 · WESTLAKE VILLAGE, CA 91361 | Contract Administrator | $1,573 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,349 | $49,451-50.8% | $79,580-69.4% | $66,938-63.6% |
| Participation rate | 26.7% | 61.3%-34.7pp | 69.5%-42.8pp | 69.8%-43.1pp |
| Annual return | -22.54% | 84.25%-106.8pp | 0.15%-22.7pp | 1.58%-24.1pp |
| Employer contribution / active EE | $794 | $1,266-37.3% | $2,413-67.1% | $2,545-68.8% |
| Participant deferral / active EE | $1,369 | $3,159-56.7% | $3,985-65.6% | $4,238-67.7% |
| Admin fee / account holder | $321 | $595-46.0% | $6,835-95.3% | $594-45.9% |