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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 | $79,173 |
MMA SECURITIES LLC6 years Service code 27 PO BOX 9497 · NEW YORK, NY 10087 | Advisory (Plan) | $34,601 |
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.)
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 | $174,323 | $76,696+127.3% | $96,515+80.6% | $71,511+143.8% |
| Participation rate | 65.2% | 66.6%-1.4pp | 74.3%-9.2pp | 67.9%-2.8pp |
| Annual return | 19.33% | 48.32%-29.0pp | 35.73%-16.4pp | 28.86%-9.5pp |
| Employer contribution / active EE | $8,679 | $3,032+186.3% | $3,740+132.1% | $2,589+235.2% |
| Participant deferral / active EE | $5,942 | $3,770+57.6% | $4,880+21.8% | $4,291+38.5% |
| Admin fee / account holder | $369 | $2,030-81.8% | $6,735-94.5% | $1,588-76.8% |