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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 1400 AMERICAN BLVD BLDG #4 · PENNINGTON, NJ 08534 | Advisory (Plan) | $49,540 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $33,093 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $6,348 |
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.)
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 | $57,621 | $89,093-35.3% | $102,434-43.7% | $77,736-25.9% |
| Participation rate | 62.0% | 80.9%-19.0pp | 76.5%-14.5pp | 70.6%-8.6pp |
| Annual return | 20.67% | 25.03%-4.4pp | 29.46%-8.8pp | 31.26%-10.6pp |
| Employer contribution / active EE | $1,104 | $2,699-59.1% | $3,023-63.5% | $2,728-59.5% |
| Participant deferral / active EE | $3,502 | $5,147-32.0% | $5,055-30.7% | $4,651-24.7% |
| Admin fee / account holder | $430 | $236+82.2% | $9,462-95.5% | $433-0.8% |