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| Provider | Service type | Compensation |
|---|---|---|
MMA SECURITIES LLC4+ years Service code 27 PO BOX 9497 · NEW YORK, NY 10087 | Advisory (Plan) | $31,009 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $22,761 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $5,333 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $52,321 | $106,264-50.8% | $147,117-64.4% | $77,762-32.7% |
| Participation rate | 37.4% | 78.4%-41.0pp | 82.2%-44.7pp | 70.6%-33.2pp |
| Annual return | 15.10% | 56.94%-41.8pp | 420.54%-405.4pp | 31.27%-16.2pp |
| Employer contribution / active EE | $86 | $4,074-97.9% | $4,932-98.3% | $2,728-96.9% |
| Participant deferral / active EE | $4,196 | $8,003-47.6% | $8,065-48.0% | $4,651-9.8% |
| Admin fee / account holder | $348 | $334+4.0% | $12,993-97.3% | $433-19.7% |