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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 | $46,688+80.4% | $189,758-55.6% | $69,733+20.8% |
| Participation rate | 30.7% | 61.7%-31.0pp | 79.8%-49.1pp | 62.5%-31.8pp |
| Annual return | 13.69% | 14.35%-0.7pp | 52.62%-38.9pp | 15.22%-1.5pp |
| Employer contribution / active EE | $659 | $1,695-61.1% | $4,767-86.2% | $2,250-70.7% |
| Participant deferral / active EE | $1,068 | $2,143-50.2% | $5,856-81.8% | $3,054-65.0% |
| Admin fee / account holder | $359 | $1,700-78.9% | $20,388-98.2% | $3,102-88.4% |