Filed June 5, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: GREAT-WEST LIFE & ANNUITY Service code 64 8515 E ORCHARD RD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $113,533 |
MORGAN STANLEY SMITH BARNEY3 years Service code 27 1 NEW YORK PLAZA FL 12 · NEW YORK, NY 10004 | Advisory (Plan) | $42,350 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $53,151 | $56,540-6.0% | $185,849-71.4% | $86,821-38.8% |
| Participation rate | 57.1% | 65.5%-8.4pp | 81.7%-24.6pp | 72.3%-15.2pp |
| Annual return | 9.44% | 118.20%-108.8pp | 122.10%-112.7pp | 97.94%-88.5pp |
| Employer contribution / active EE | $0 | $1,844-100.0% | $5,169-100.0% | $2,406-100.0% |
| Participant deferral / active EE | $2,539 | $2,555-0.6% | $5,569-54.4% | $4,132-38.5% |
| Admin fee / account holder | $391 | $150+161.0% | $16,244-97.6% | $170+130.4% |