Filed February 29, 2024
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INS CO OF AMERICA Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $61,820 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $22,323 |
Filed as: AT RETIREMENT SERVICE LLC Service code 13 P O BOX 536707 ATTNZ869FEE · PITTSBURGH, PA 15253 | Contract Administrator | $9,167 |
AMERICAN REALTY ADVISORS2 years Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $5,500 |
Filed as: EMPOWER ADVISORY GROUP LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD, CO 80111 | Investment Management | $534 |
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 | $75,851 | $80,781-6.1% | $102,437-26.0% | $74,478+1.8% |
| Participation rate | 64.1% | 65.7%-1.6pp | 74.5%-10.5pp | 67.2%-3.2pp |
| Annual return | 21.01% | 27.58%-6.6pp | 24.95%-3.9pp | 1370.56%-1349.6pp |
| Employer contribution / active EE | $2,315 | $3,160-26.7% | $3,871-40.2% | $2,626-11.8% |
| Participant deferral / active EE | $3,942 | $3,862+2.1% | $5,060-22.1% | $4,350-9.4% |
| Admin fee / account holder | $478 | $2,372-79.9% | $8,388-94.3% | $1,946-75.5% |