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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 | $103,587 |
MORGAN STANLEY SMITH BARNEY3+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 55 1 NEW YORK PLZ 12TH FL · NEW YORK, NC 10004 | Other Commissions | $35,901 |
MORGAN STANLEY SMITH BARNEY3+ years Filed as: MORGAN STANLEY INSURANCE SERVICES I Service code 55 1 NEW YORK PLZ 12TH FL · NEW YORK, NC 10004 | Other Commissions | $671 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 | $30,850 | $57,921-46.7% | $98,716-68.7% | $103,975-70.3% |
| Participation rate | 32.4% | 68.8%-36.4pp | 69.3%-36.9pp | 72.5%-40.1pp |
| Annual return | 20.67% | 13.15%+7.5pp | 31.81%-11.1pp | 19.41%+1.3pp |
| Employer contribution / active EE | $0 | $1,595-100.0% | $2,279-100.0% | $3,722-100.0% |
| Participant deferral / active EE | $2,187 | $2,573-15.0% | $4,048-46.0% | $5,343-59.1% |
| Admin fee / account holder | $202 | $324-37.5% | $8,703-97.7% | $332-39.1% |