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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $88,749 |
Filed as: UNITED BANK Service code 27 2071 CHAIN BRIDGE RD · VIENNA, VA 22812 | Advisory (Plan) | $44,412 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 | $69,964 | $67,638+3.4% | $133,346-47.5% | $69,733+0.3% |
| Participation rate | 45.7% | 54.3%-8.6pp | 72.8%-27.1pp | 62.5%-16.7pp |
| Annual return | 13.63% | 13.38%+0.2pp | 36.85%-23.2pp | 15.22%-1.6pp |
| Employer contribution / active EE | $0 | $1,177-100.0% | $2,853-100.0% | $2,250-100.0% |
| Participant deferral / active EE | $3,146 | $2,567+22.6% | $4,332-27.4% | $3,054+3.0% |
| Admin fee / account holder | $371 | $4,814-92.3% | $14,264-97.4% | $3,102-88.1% |