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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 4340 REDWOOD HWY · SAN RAFAEL, CA 94903 | Advisory (Plan) | $25,695 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $25,109 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $7,156 |
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.)
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 | $88,190 | $80,705+9.3% | $115,768-23.8% | $67,986+29.7% |
| Participation rate | 55.3% | 63.0%-7.6pp | 74.4%-19.1pp | 57.2%-1.9pp |
| Annual return | 17.42% | 18.49%-1.1pp | 100.46%-83.0pp | 31.67%-14.2pp |
| Employer contribution / active EE | $1,009 | $2,046-50.7% | $2,940-65.7% | $2,019-50.0% |
| Participant deferral / active EE | $3,044 | $3,559-14.5% | $4,917-38.1% | $3,358-9.3% |
| Admin fee / account holder | $343 | $4,135-91.7% | $12,439-97.2% | $3,203-89.3% |