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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 | $23,898 |
Service code 27 4340 REDWOOD HWY · SAN RAFAEL, CA 94903 | Advisory (Plan) | $10,880 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $2,994 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $28,368 | $69,774-59.3% | $67,575-58.0% | $74,459-61.9% |
| Participation rate | 45.5% | 71.4%-25.8pp | 72.9%-27.4pp | 67.2%-21.7pp |
| Annual return | 17.05% | -40.53%+57.6pp | 3528.98%-3511.9pp | 1369.70%-1352.6pp |
| Employer contribution / active EE | $422 | $2,710-84.4% | $2,736-84.6% | $2,626-83.9% |
| Participant deferral / active EE | $1,969 | $3,636-45.9% | $4,003-50.8% | $4,350-54.7% |
| Admin fee / account holder | $408 | $890-54.1% | $3,993-89.8% | $1,945-79.0% |