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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $76,358 |
NOVA 401(K) ASSOCIATES4 years Service code 13 · EIN 20-1181458 | Contract Administrator | $27,384 |
Service code 27 24 E COTA ST · SANTA BARBARA, CA 93101 | Advisory (Plan) | $18,364 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $41,694 | $45,123-7.6% | $85,240-51.1% | $74,478-44.0% |
| Participation rate | 75.4% | 49.4%+26.1pp | 67.5%+7.9pp | 67.2%+8.2pp |
| Annual return | 9.23% | 26.32%-17.1pp | 66.75%-57.5pp | 1370.56%-1361.3pp |
| Employer contribution / active EE | $2,096 | $1,459+43.7% | $2,735-23.4% | $2,626-20.2% |
| Participant deferral / active EE | $776 | $2,736-71.6% | $4,527-82.8% | $4,350-82.2% |
| Admin fee / account holder | $463 | $2,215-79.1% | $6,165-92.5% | $1,946-76.2% |