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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 13 · EIN 06-1050034 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Contract Administrator | $97,388 |
Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $91,369 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $106,019 | $65,960+60.7% | $81,844+29.5% | $77,736+36.4% |
| Participation rate | 92.7% | 65.8%+26.9pp | 72.4%+20.3pp | 70.6%+22.1pp |
| Annual return | 14.37% | 26.64%-12.3pp | 778.87%-764.5pp | 31.26%-16.9pp |
| Employer contribution / active EE | $6,648 | $2,375+179.9% | $2,916+128.0% | $2,728+143.7% |
| Participant deferral / active EE | $7,424 | $3,505+111.8% | $4,323+71.7% | $4,651+59.6% |
| Admin fee / account holder | $353 | $526-32.9% | $7,355-95.2% | $433-18.5% |