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| Provider | Service type | Compensation |
|---|---|---|
Filed as: NORTHWESTERN MUTUAL INVESTMENT SVCS Service code 55 720 E WISCONSIN AVE · MILWAUKEE, WI 53202 | Other Commissions | $40,791 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $32,829 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $11,552 |
Service code 99 1801 CALIFORNIA STREET · DENVER, CO 80202 | Other Fees | $7,234 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $50,148 | $47,766+5.0% | $82,744-39.4% | $64,819-22.6% |
| Participation rate | 44.4% | 67.7%-23.3pp | 72.6%-28.1pp | 71.5%-27.0pp |
| Annual return | -16.10% | -13.06%-3.0pp | 702.22%-718.3pp | 32.84%-48.9pp |
| Employer contribution / active EE | $747 | $2,182-65.7% | $3,008-75.2% | $2,507-70.2% |
| Participant deferral / active EE | $3,682 | $3,332+10.5% | $4,395-16.2% | $4,311-14.6% |
| Admin fee / account holder | $270 | $143+89.0% | $5,325-94.9% | $188+43.9% |