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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 | $64,010+9.3% | $108,359-35.4% | $64,340+8.7% |
| Participation rate | 45.7% | 49.4%-3.7pp | 70.1%-24.4pp | 55.2%-9.5pp |
| Annual return | 13.63% | 19.74%-6.1pp | 36.89%-23.3pp | 24.14%-10.5pp |
| Employer contribution / active EE | $0 | $1,029-100.0% | $2,399-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $3,146 | $2,395+31.3% | $4,137-24.0% | $2,980+5.5% |
| Admin fee / account holder | $371 | $4,885-92.4% | $9,741-96.2% | $3,703-90.0% |