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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 | $18,257 |
NOVA 401(K) ASSOCIATES1 year Service code 12 10777 NORTHWEST FREEWAY · HOUSTON, TX 77092 | Claims processing | $8,951 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $8,516 | $72,303-88.2% | $86,698-90.2% | $64,819-86.9% |
| Participation rate | 80.3% | 80.4%-0.2pp | 76.6%+3.7pp | 71.5%+8.8pp |
| Annual return | 6.63% | 392.77%-386.1pp | 35.95%-29.3pp | 32.84%-26.2pp |
| Employer contribution / active EE | $2,380 | $2,393-0.5% | $2,837-16.1% | $2,507-5.1% |
| Participant deferral / active EE | $5,152 | $4,660+10.6% | $4,656+10.6% | $4,311+19.5% |
| Admin fee / account holder | $40 | $174-77.1% | $7,493-99.5% | $188-78.8% |