| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 13 · EIN 06-1050034 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Contract Administrator | $955,652 |
PENSIONMARK FINANCIAL GROUP LLC6+ years Service code 27 · EIN 61-1758632 24 E COTA ST STE 200 · SANTA BARBARA, CA 93101 | Advisory (Plan) | $450,000 |
DELOITTE & TOUCHE LLP2 years Filed as: DELOITTE & TOUCHE Service code 10 · EIN 13-3891517 | Accounting | $241,798 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $44,011 | $96,393-54.3% | $121,214-63.7% | $96,393-54.3% |
| Participation rate | 68.7% | 71.3%-2.6pp | 69.5%-0.9pp | 71.3%-2.6pp |
| Annual return | 11.57% | 22.88%-11.3pp | 987.67%-976.1pp | 22.88%-11.3pp |
| Employer contribution / active EE | $647 | $3,239-80.0% | $4,171-84.5% | $3,239-80.0% |
| Participant deferral / active EE | $2,412 | $5,455-55.8% | $4,084-40.9% | $5,455-55.8% |
| Admin fee / account holder | $40 | $74-46.0% | $5,647-99.3% | $74-46.0% |