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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 | $79,867+30.5% | $120,344-13.4% | $64,340+62.0% |
| Participation rate | 67.5% | 63.0%+4.6pp | 76.7%-9.2pp | 55.2%+12.3pp |
| Annual return | 5.17% | 21.10%-15.9pp | 20.30%-15.1pp | 24.14%-19.0pp |
| Employer contribution / active EE | $1,770 | $1,925-8.1% | $3,020-41.4% | $1,862-5.0% |
| Participant deferral / active EE | $3,640 | $3,593+1.3% | $5,135-29.1% | $2,980+22.1% |
| Admin fee / account holder | $354 | $5,039-93.0% | $12,742-97.2% | $3,703-90.4% |