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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 1400 AMERICAN BLVD BLDG #4 · PENNINGTON, NJ 08534 | Advisory (Plan) | $51,492 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $37,050 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $19,415 |
BAKER TILLY US, LLP6 years Filed as: BAKER TILLY VIRCHOW KRAUSE, LLP Service code 10 4807 INNOVATE LN · MADISON, WI 53718 | Accounting | $14,735 |
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.)
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 | $54,603 | $72,303-24.5% | $86,691-37.0% | $64,814-15.8% |
| Participation rate | 55.7% | 80.4%-24.7pp | 76.6%-20.9pp | 71.5%-15.7pp |
| Annual return | -25.36% | 392.77%-418.1pp | 35.94%-61.3pp | 32.84%-58.2pp |
| Employer contribution / active EE | $1,493 | $2,393-37.6% | $2,837-47.4% | $2,507-40.4% |
| Participant deferral / active EE | $4,540 | $4,660-2.6% | $4,656-2.5% | $4,310+5.3% |
| Admin fee / account holder | $536 | $174+207.9% | $7,492-92.8% | $188+185.3% |