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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 1400 AMERICAN BLVD BLDG #4 · PENNINGTON, NJ 08534 | Advisory (Plan) | $21,089 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $20,829 |
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.)
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 | $65,767 | $79,181-16.9% | $102,423-35.8% | $74,429-11.6% |
| Participation rate | 55.0% | 74.8%-19.7pp | 76.5%-21.5pp | 67.2%-12.2pp |
| Annual return | 10.07% | 54.97%-44.9pp | 29.42%-19.3pp | 1368.38%-1358.3pp |
| Employer contribution / active EE | $397 | $2,362-83.2% | $3,023-86.9% | $2,625-84.9% |
| Participant deferral / active EE | $3,738 | $4,416-15.3% | $5,054-26.0% | $4,348-14.0% |
| Admin fee / account holder | $368 | $2,002-81.6% | $9,455-96.1% | $1,944-81.1% |