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| Provider | Service type | Compensation |
|---|---|---|
Service code 99 PO BOX 986 1100 W ST GERMAIN ST · ST CLOUD, MN 56301 | Other Fees | $11,108 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $7,078 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $4,253 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,397 | $65,453-61.2% | $86,698-70.7% | $66,938-62.1% |
| Participation rate | 57.4% | 75.5%-18.0pp | 76.6%-19.2pp | 69.8%-12.4pp |
| Annual return | -6.57% | -10.89%+4.3pp | 35.95%-42.5pp | 1.58%-8.1pp |
| Employer contribution / active EE | $947 | $2,154-56.0% | $2,837-66.6% | $2,545-62.8% |
| Participant deferral / active EE | $2,028 | $4,102-50.6% | $4,656-56.4% | $4,238-52.1% |
| Admin fee / account holder | $224 | $642-65.0% | $7,493-97.0% | $594-62.2% |