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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 | $43,496+93.6% | $161,489-47.9% | $64,340+30.9% |
| Participation rate | 30.7% | 53.5%-22.9pp | 78.7%-48.0pp | 55.2%-24.6pp |
| Annual return | 13.69% | 20.76%-7.1pp | 89.72%-76.0pp | 24.14%-10.5pp |
| Employer contribution / active EE | $659 | $1,431-53.9% | $4,268-84.6% | $1,862-64.6% |
| Participant deferral / active EE | $1,068 | $1,996-46.5% | $5,630-81.0% | $2,980-64.2% |
| Admin fee / account holder | $359 | $2,330-84.6% | $16,006-97.8% | $3,703-90.3% |