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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 | $34,367 |
Filed as: KESTRA ADVISORY SERVICES LLC Service code 27 5707 SWST PRKWY BLDG 2 · AUSTIN, TX 78735 | Advisory (Plan) | $32,411 |
CLIFTONLARSONALLEN LLP8 years Service code 99 · EIN 41-0746749 220 S 6TH STREET, SUITE 300 · MINNEAPOLIS, MN 55402 | Other Fees | $9,712 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $4,027 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $174,228 | $81,334+114.2% | $113,397+53.6% | $64,097+171.8% |
| Participation rate | 66.8% | 65.6%+1.2pp | 76.5%-9.7pp | 55.2%+11.6pp |
| Annual return | 11.30% | 32.50%-21.2pp | 23.20%-11.9pp | 34.64%-23.3pp |
| Employer contribution / active EE | $1,963 | $2,077-5.5% | $2,977-34.1% | $1,891+3.8% |
| Participant deferral / active EE | $3,917 | $3,795+3.2% | $5,076-22.8% | $3,080+27.2% |
| Admin fee / account holder | $409 | $4,208-90.3% | $11,957-96.6% | $3,454-88.2% |