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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $60,225 |
Filed as: RAYMOND JAMES Service code 27 880 CARILLON PARKWAY · ST PETERSBURG, FL 33716 | Advisory (Plan) | $56,015 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $10,214 |
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.)
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 | $71,230 | $42,367+68.1% | $79,583-10.5% | $64,824+9.9% |
| Participation rate | 45.6% | 64.7%-19.1pp | 69.5%-23.9pp | 71.5%-25.9pp |
| Annual return | -15.35% | -12.24%-3.1pp | 0.16%-15.5pp | 32.84%-48.2pp |
| Employer contribution / active EE | $218 | $1,181-81.6% | $2,414-91.0% | $2,507-91.3% |
| Participant deferral / active EE | $3,045 | $3,168-3.9% | $3,986-23.6% | $4,311-29.4% |
| Admin fee / account holder | $361 | $160+126.2% | $6,835-94.7% | $188+92.2% |