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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 | $152,788 |
MORGAN STANLEY SMITH BARNEY4 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $68,453 |
MOSS ADAMS LLP7 years Service code 10 PO BOX 101822 · PASADENA, CA 911891822 | Accounting | $27,965 |
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 | $151,234 | $55,458+172.7% | $76,030+98.9% | $77,762+94.5% |
| Participation rate | 80.3% | 63.6%+16.7pp | 69.1%+11.2pp | 70.6%+9.7pp |
| Annual return | 13.60% | 17.10%-3.5pp | 361.54%-347.9pp | 31.27%-17.7pp |
| Employer contribution / active EE | $6,541 | $1,792+264.9% | $2,688+143.4% | $2,728+139.8% |
| Participant deferral / active EE | $9,745 | $3,454+182.1% | $4,257+128.9% | $4,651+109.5% |
| Admin fee / account holder | $467 | $411+13.6% | $6,421-92.7% | $433+7.8% |