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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INS CO OF AMERICA Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $10,048 |
INSURANCE OFFICE OF AMERICA4 years Filed as: INSURANCE OFFICE OF AMERICA INC Service code 99 4915 W CYPRESS ST #100 · TAMPA, FL 33607 | Other Fees | $5,381 |
MONARCH PLAN ADVISORS1 year Filed as: MONARCH CORPORATE ADVISORS Service code 27 3355 COCHRAN ST #101 · SIMI VALLEY, CA 93063 | Advisory (Plan) | $5,381 |
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.)
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 | $43,263 | $65,092-33.5% | $143,799-69.9% | $66,938-35.4% |
| Participation rate | 37.7% | 65.2%-27.5pp | 80.3%-42.6pp | 69.8%-32.1pp |
| Annual return | -12.75% | -11.14%-1.6pp | -0.04%-12.7pp | 1.58%-14.3pp |
| Employer contribution / active EE | $0 | $2,362-100.0% | $4,952-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $900 | $2,920-69.2% | $5,638-84.0% | $4,238-78.8% |
| Admin fee / account holder | $368 | $502-26.7% | $14,677-97.5% | $594-38.0% |