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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $29,608 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $22,633 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $10,517 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $99,062 | $101,499-2.4% | $147,005-32.6% | $74,546+32.9% |
| Participation rate | 69.6% | 75.5%-5.9pp | 82.2%-12.6pp | 67.2%+2.4pp |
| Annual return | 11.35% | 8732.34%-8721.0pp | 418.76%-407.4pp | 1366.03%-1354.7pp |
| Employer contribution / active EE | $3,397 | $3,811-10.9% | $4,934-31.2% | $2,624+29.4% |
| Participant deferral / active EE | $7,978 | $7,304+9.2% | $8,070-1.1% | $4,347+83.5% |
| Admin fee / account holder | $475 | $1,748-72.8% | $13,006-96.3% | $1,944-75.5% |