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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 | $23,138 |
BAIRD FUNDS4 years Filed as: ROBERT W BAIRD & CO INCORPORATED Service code 55 PO BOX 88499 · MILWAUKEE, WI 532888499 | Other Commissions | $13,897 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $2,364 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $22,523 | $44,764-49.7% | $68,808-67.3% | $64,819-65.3% |
| Participation rate | 32.1% | 64.8%-32.7pp | 69.0%-36.9pp | 71.5%-39.4pp |
| Annual return | -18.84% | -10.91%-7.9pp | -6.37%-12.5pp | 32.84%-51.7pp |
| Employer contribution / active EE | $574 | $1,775-67.7% | $2,656-78.4% | $2,507-77.1% |
| Participant deferral / active EE | $1,205 | $3,238-62.8% | $3,942-69.4% | $4,311-72.0% |
| Admin fee / account holder | $189 | $151+24.8% | $4,936-96.2% | $188+0.6% |