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| Provider | Service type | Compensation |
|---|---|---|
Service code 25 PO BOX 986 1100 W ST GERMAIN ST · ST CLOUD, MN 56301 | Directed Trustee | $32,482 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $19,140 |
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 | $135,114 | $80,763+67.3% | $102,412+31.9% | $74,459+81.5% |
| Participation rate | 41.0% | 65.7%-24.7pp | 74.5%-33.5pp | 67.2%-26.2pp |
| Annual return | 13.21% | 27.57%-14.4pp | 24.94%-11.7pp | 1369.70%-1356.5pp |
| Employer contribution / active EE | $2,458 | $3,160-22.2% | $3,870-36.5% | $2,626-6.4% |
| Participant deferral / active EE | $2,508 | $3,862-35.0% | $5,060-50.4% | $4,350-42.3% |
| Admin fee / account holder | $320 | $2,371-86.5% | $8,388-96.2% | $1,945-83.6% |