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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $23,760 |
Service code 27 4340 REDWOOD HWY · SAN RAFAEL, CA 94903 | Advisory (Plan) | $20,900 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $635 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $104,208 | $85,515+21.9% | $112,040-7.0% | $67,986+53.3% |
| Participation rate | 67.5% | 68.2%-0.7pp | 76.5%-9.0pp | 57.2%+10.3pp |
| Annual return | 5.17% | 29.68%-24.5pp | 24.52%-19.3pp | 31.67%-26.5pp |
| Employer contribution / active EE | $1,770 | $2,191-19.2% | $2,954-40.1% | $2,019-12.3% |
| Participant deferral / active EE | $3,640 | $4,014-9.3% | $5,098-28.6% | $3,358+8.4% |
| Admin fee / account holder | $354 | $3,774-90.6% | $12,098-97.1% | $3,203-89.0% |