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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 | $48,835 |
SENTINEL PENSION ADVISORS7 years Service code 27 · EIN 04-3422848 | Advisory (Plan) | $29,855 |
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 | $86,796 | $28,167+208.1% | $73,658+17.8% | $64,728+34.1% |
| Participation rate | 27.7% | 21.1%+6.7pp | 57.0%-29.3pp | 57.9%-30.2pp |
| Annual return | 12.99% | 139.75%-126.8pp | 29.72%-16.7pp | 49.38%-36.4pp |
| Employer contribution / active EE | $0 | $373-100.0% | $1,032-100.0% | $2,243-100.0% |
| Participant deferral / active EE | $1,799 | $597+201.3% | $2,062-12.7% | $2,729-34.1% |
| Admin fee / account holder | $727 | $1,791-59.4% | $3,357-78.3% | $1,145-36.5% |