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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 15 · EIN 84-0467907 | Recordkeeping | $267,780 |
Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $137,692 |
PRICEWATERHOUSECOOPERS LLP9+ years Service code 10 2001 ROSS AVE STE 1800 · DALLAS, TX 75201 | Accounting | $34,625 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 26 · EIN 84-1532243 | Advisory (Participants) | $3,012 |
Service code 16 · EIN 34-1820650 | Consulting | $500 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $237,677 | $91,372+160.1% | $130,045+82.8% | $74,460+219.2% |
| Participation rate | 96.1% | 77.8%+18.3pp | 78.5%+17.6pp | 70.7%+25.4pp |
| Annual return | 17.30% | 23.21%-5.9pp | -137.30%+154.6pp | 34.38%-17.1pp |
| Employer contribution / active EE | $4,046 | $2,563+57.8% | $4,321-6.4% | $2,638+53.4% |
| Participant deferral / active EE | $9,079 | $4,721+92.3% | $5,820+56.0% | $4,530+100.4% |
| Admin fee / account holder | $584 | $283+106.0% | $10,600-94.5% | $348+67.8% |