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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 | $41,583 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $11,335 |
Service code 27 9855 W 78TH ST STE 100 · EDEN PRAIRIE, MN 55344 | Advisory (Plan) | $10,000 |
Filed as: KESTRA ADVISORY SERVICES LLC Service code 27 5707 SWST PRKWY BLDG 2 · AUSTIN, TX 78735 | Advisory (Plan) | $10,000 |
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 | $44,859 | $62,715-28.5% | $104,301-57.0% | $66,938-33.0% |
| Participation rate | 51.5% | 59.6%-8.1pp | 73.3%-21.8pp | 69.8%-18.3pp |
| Annual return | -16.33% | -14.70%-1.6pp | 24.61%-40.9pp | 1.58%-17.9pp |
| Employer contribution / active EE | $601 | $1,976-69.6% | $3,373-82.2% | $2,545-76.4% |
| Participant deferral / active EE | $2,903 | $2,852+1.8% | $4,626-37.2% | $4,238-31.5% |
| Admin fee / account holder | $330 | $657-49.8% | $7,340-95.5% | $594-44.4% |