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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $66,918 |
Service code 55 5707 SOUTHWEST PKWY · AUSTIN, TX 78735 | Other Commissions | $34,392 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $9,764 |
NOVA 401(K) ASSOCIATES5 years Service code 13 10777 NORTHWEST FWY #440 · HOUSTON, TX 77092 | Contract Administrator | $9,314 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $55,543 | $64,176-13.5% | $112,249-50.5% | $66,938-17.0% |
| Participation rate | 65.6% | 68.4%-2.9pp | 75.1%-9.5pp | 69.8%-4.3pp |
| Annual return | -17.30% | -13.80%-3.5pp | 27.48%-44.8pp | 1.58%-18.9pp |
| Employer contribution / active EE | $3,738 | $3,007+24.3% | $3,636+2.8% | $2,545+46.9% |
| Participant deferral / active EE | $6,886 | $3,694+86.4% | $4,729+45.6% | $4,238+62.5% |
| Admin fee / account holder | $581 | $626-7.2% | $6,412-90.9% | $594-2.2% |