Filed June 5, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 E ORCHARD ROAD · GREENWOOD VILLAGE, CA 80111 | Recordkeeping Fees | $66,558 |
MORGAN STANLEY SMITH BARNEY4 years Service code 27 1 NEW YORK PLAZA FL 12 · NEW YORK, NY 10004 | Advisory (Plan) | $36,327 |
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.
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 | $44,578 | $46,332-3.8% | $143,797-69.0% | $64,824-31.2% |
| Participation rate | 58.9% | 64.2%-5.4pp | 80.3%-21.4pp | 71.5%-12.6pp |
| Annual return | -14.47% | -10.05%-4.4pp | -0.04%-14.4pp | 32.84%-47.3pp |
| Employer contribution / active EE | $0 | $1,911-100.0% | $4,952-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $2,917 | $2,647+10.2% | $5,638-48.3% | $4,311-32.3% |
| Admin fee / account holder | $265 | $154+72.3% | $14,679-98.2% | $188+41.2% |