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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $64,537 |
Service code 10 1810 E SCHNEIDMILLER AVE STE 310 · POST FALLS, ID 83854 | Accounting | $12,300 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $1,928 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $44,759 | $58,292-23.2% | $86,640-48.3% | $71,511-37.4% |
| Participation rate | 75.4% | 65.0%+10.4pp | 71.7%+3.7pp | 67.9%+7.4pp |
| Annual return | 20.49% | 21.63%-1.1pp | 592.52%-572.0pp | 28.86%-8.4pp |
| Employer contribution / active EE | $3,111 | $2,574+20.9% | $3,024+2.9% | $2,589+20.1% |
| Participant deferral / active EE | $4,036 | $3,438+17.4% | $4,438-9.1% | $4,291-5.9% |
| Admin fee / account holder | $365 | $1,057-65.5% | $5,616-93.5% | $1,588-77.0% |