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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 OF AMERICA · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $5,468 |
Service code 27 4340 REDWOOD HWY SUITE B60 · SAN RAFAEL, CA 94903 | Advisory (Plan) | $3,930 |
AMERICAN FUNDS1 year Filed as: CAPITAL PENSION GROUP LLC Service code 13 DBA THE PENSION DESIGN GROUP · WORTHINGTON, OH 43085 | Contract Administrator | $820 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,221 | $65,092-53.6% | $143,799-79.0% | $66,938-54.9% |
| Participation rate | 16.5% | 65.2%-48.7pp | 80.3%-63.8pp | 69.8%-53.3pp |
| Annual return | -18.65% | -11.14%-7.5pp | -0.04%-18.6pp | 1.58%-20.2pp |
| Employer contribution / active EE | $285 | $2,362-87.9% | $4,952-94.2% | $2,545-88.8% |
| Participant deferral / active EE | $1,238 | $2,920-57.6% | $5,638-78.0% | $4,238-70.8% |
| Admin fee / account holder | $323 | $502-35.8% | $14,677-97.8% | $594-45.6% |