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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 | $22,417 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $11,660 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $84,208 | $45,343+85.7% | $150,298-44.0% | $67,986+23.9% |
| Participation rate | 30.7% | 51.9%-21.2pp | 77.8%-47.1pp | 57.2%-26.5pp |
| Annual return | 13.69% | 33.28%-19.6pp | 62.79%-49.1pp | 31.67%-18.0pp |
| Employer contribution / active EE | $659 | $1,462-54.9% | $4,154-84.1% | $2,019-67.4% |
| Participant deferral / active EE | $1,068 | $2,055-48.0% | $5,453-80.4% | $3,358-68.2% |
| Admin fee / account holder | $359 | $2,250-84.1% | $14,116-97.5% | $3,203-88.8% |