Filed April 22, 2026
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $103,765 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $32,738 |
MORGAN STANLEY SMITH BARNEY8 years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 99 1 NEW YORK PLZ 12TH FL · NEW YORK, NY 10004 | Other Fees | $16,475 |
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 | $133,272 | $82,979+60.6% | $102,412+30.1% | $77,736+71.4% |
| Participation rate | 62.7% | 71.5%-8.9pp | 74.5%-11.8pp | 70.6%-7.9pp |
| Annual return | 11.69% | 19.11%-7.4pp | 24.94%-13.2pp | 31.26%-19.6pp |
| Employer contribution / active EE | $3,078 | $3,554-13.4% | $3,870-20.5% | $2,728+12.8% |
| Participant deferral / active EE | $5,552 | $4,109+35.1% | $5,060+9.7% | $4,651+19.4% |
| Admin fee / account holder | $454 | $639-28.9% | $8,388-94.6% | $433+4.8% |