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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 | $14,275 |
AMERITAS LIFE INSURANCE CORP3 years Filed as: AMERITAS ADVISORY SERVICES LLC Service code 27 5900 O ST · LINCOLN, NE 68510 | Advisory (Plan) | $4,644 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $1,438 |
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 | $14,229 | $48,432-70.6% | $121,204-88.3% | $71,511-80.1% |
| Participation rate | 59.9% | 54.3%+5.6pp | 69.5%-9.6pp | 67.9%-8.0pp |
| Annual return | 42.64% | 23.28%+19.4pp | 987.18%-944.5pp | 28.86%+13.8pp |
| Employer contribution / active EE | $545 | $1,493-63.5% | $4,170-86.9% | $2,589-79.0% |
| Participant deferral / active EE | $2,201 | $2,756-20.1% | $4,083-46.1% | $4,291-48.7% |
| Admin fee / account holder | $112 | $1,845-93.9% | $5,651-98.0% | $1,588-92.9% |