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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 | $175,896 |
MMA SECURITIES LLC7+ years Service code 55 PO BOX 9497 · NEW YORK, NY 10087 | Other Commissions | $75,751 |
Service code 16 3071 PEARL ROAD · MEDINA, OH 44256 | Consulting | $800 |
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 | $142,270 | $81,948+73.6% | $90,760+56.8% | $64,819+119.5% |
| Participation rate | 99.3% | 80.5%+18.8pp | 75.7%+23.6pp | 71.5%+27.8pp |
| Annual return | -17.70% | -12.53%-5.2pp | -12.16%-5.5pp | 32.84%-50.5pp |
| Employer contribution / active EE | $8,317 | $3,067+171.1% | $2,922+184.7% | $2,507+231.8% |
| Participant deferral / active EE | $13,598 | $4,844+180.7% | $4,565+197.9% | $4,311+215.4% |
| Admin fee / account holder | $378 | $157+140.9% | $8,444-95.5% | $188+101.4% |