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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 | $79,867-5.4% | $120,344-37.2% | $64,340+17.4% |
| Participation rate | 42.6% | 63.0%-20.4pp | 76.7%-34.1pp | 55.2%-12.7pp |
| Annual return | 25.28% | 21.10%+4.2pp | 20.30%+5.0pp | 24.14%+1.1pp |
| Employer contribution / active EE | $487 | $1,925-74.7% | $3,020-83.9% | $1,862-73.8% |
| Participant deferral / active EE | $1,976 | $3,593-45.0% | $5,135-61.5% | $2,980-33.7% |
| Admin fee / account holder | $530 | $5,039-89.5% | $12,742-95.8% | $3,703-85.7% |