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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 53 OF AMERICA · GREENWOOD VILLAGE, CO 80111 | Insurance Commissions | $26,242 |
Service code 27 PO BOX 2207 · PORTLAND, OR 97208 | Advisory (Plan) | $9,033 |
Filed as: EMPOWER ADVISORY GROUP LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $2,628 |
ASCENSUS LLC1 year Filed as: ASCENSUS HOLDINGS, INC DBA Service code 13 FUTUREPLAN BY ASCENSUS · SAN DIEGO, CA 92101 | Contract Administrator | $2,000 |
Filed as: ENVESTNET RETIREMENT SOLUTIONS IN Service code 99 1801 CALIFORNIA STREET · DENVER, CO 80202 | Other Fees | $1,868 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $38,738 | $72,620-46.7% | $90,756-57.3% | $66,930-42.1% |
| Participation rate | 56.9% | 73.7%-16.8pp | 75.7%-18.8pp | 69.8%-12.9pp |
| Annual return | -31.93% | -12.28%-19.7pp | -12.16%-19.8pp | 1.57%-33.5pp |
| Employer contribution / active EE | $896 | $2,369-62.2% | $2,922-69.3% | $2,545-64.8% |
| Participant deferral / active EE | $2,131 | $3,979-46.4% | $4,565-53.3% | $4,238-49.7% |
| Admin fee / account holder | -$422 | $707-159.7% | $8,445-105.0% | $593-171.1% |