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| Provider | Service type | Compensation |
|---|---|---|
DEFINITI LLC2+ years Service code 13 2201 TIMBERLOCH PLACE · THE WOODLANDS, TX 77380 | Contract Administrator | $21,067 |
Service code 27 | Advisory (Plan) | $20,897 |
Filed as: EMPOWER ANNUITY INSURANCE CO OF AME Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $4,160 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $888 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,742 | $84,784-54.3% | $98,461-60.7% | $74,460-48.0% |
| Participation rate | 47.7% | 81.5%-33.8pp | 75.2%-27.5pp | 70.7%-23.0pp |
| Annual return | 21.33% | 20.59%+0.7pp | 21.17%+0.2pp | 34.38%-13.0pp |
| Employer contribution / active EE | $1,182 | $3,364-64.9% | $3,049-61.2% | $2,638-55.2% |
| Participant deferral / active EE | $1,909 | $5,218-63.4% | $4,738-59.7% | $4,530-57.9% |
| Admin fee / account holder | $328 | $204+60.2% | $8,961-96.3% | $348-5.8% |