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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $23,407 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $18,649 |
MILLER COOPER & CO LTD1 year Service code 10 1751 LAKE COOK RD STE 400 · DEERFIELD, IL 60015 | Accounting | $12,725 |
Filed as: FIFTH THIRD BANK Service code 27 38 FOUNTAIN SQ PLZ · CINCINNATI, OH 45263 | Advisory (Plan) | $9,888 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.)
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 | $75,549 | $87,465-13.6% | $122,979-38.6% | $65,306+15.7% |
| Participation rate | 42.6% | 66.0%-23.4pp | 77.2%-34.6pp | 57.7%-15.1pp |
| Annual return | 25.28% | 19.76%+5.5pp | 20.12%+5.2pp | 21.94%+3.3pp |
| Employer contribution / active EE | $487 | $2,156-77.4% | $3,062-84.1% | $1,967-75.2% |
| Participant deferral / active EE | $1,976 | $3,705-46.7% | $5,003-60.5% | $2,959-33.2% |
| Admin fee / account holder | $530 | $5,100-89.6% | $12,864-95.9% | $3,480-84.8% |