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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $26,718 |
Service code 27 1400 AMERICAN BLVD BLDG #4 · PENNINGTON, NJ 08534 | Advisory (Plan) | $10,520 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $1,395 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $24,736 | $91,439-72.9% | $135,974-81.8% | $71,511-65.4% |
| Participation rate | 59.2% | 75.7%-16.5pp | 81.9%-22.7pp | 67.9%-8.7pp |
| Annual return | 47.26% | 29.90%+17.4pp | 68.30%-21.0pp | 28.86%+18.4pp |
| Employer contribution / active EE | $3,575 | $3,705-3.5% | $4,859-26.4% | $2,589+38.1% |
| Participant deferral / active EE | $9,473 | $7,093+33.6% | $7,760+22.1% | $4,291+120.8% |
| Admin fee / account holder | $190 | $1,267-85.0% | $10,767-98.2% | $1,588-88.0% |