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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INS. CO. OF AMERICA Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $42,574 |
SENTINEL PENSION ADVISORS6 years Service code 27 · EIN 04-3422848 | Advisory (Plan) | $26,237 |
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.)
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 | $62,532 | $29,525+111.8% | $56,033+11.6% | $77,736-19.6% |
| Participation rate | 27.0% | 32.7%-5.7pp | 52.5%-25.5pp | 70.6%-43.6pp |
| Annual return | 16.63% | 18.90%-2.3pp | 1711.38%-1694.7pp | 31.26%-14.6pp |
| Employer contribution / active EE | $0 | $569-100.0% | $1,041-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,494 | $1,062+40.7% | $1,954-23.5% | $4,651-67.9% |
| Admin fee / account holder | $535 | $1,040-48.5% | $2,827-81.1% | $433+23.5% |