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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $38,606 |
Filed as: FIRST CITIZENS BANK AND TRUST CO Service code 27 PO BOX 29522 · RALEIGH, NC 27626 | Advisory (Plan) | $30,000 |
Service code 10 615 OBERLIN RD STE 200 · RALEIGH, NC 27605 | Accounting | $18,925 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $936 |
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.
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 | $42,117 | $54,213-22.3% | $93,696-55.0% | $77,736-45.8% |
| Participation rate | 83.6% | 64.0%+19.6pp | 68.7%+14.9pp | 70.6%+13.0pp |
| Annual return | 11.02% | 30.55%-19.5pp | 133.74%-122.7pp | 31.26%-20.2pp |
| Employer contribution / active EE | $1,001 | $1,168-14.3% | $2,422-58.7% | $2,728-63.3% |
| Participant deferral / active EE | $2,572 | $3,145-18.2% | $4,417-41.8% | $4,651-44.7% |
| Admin fee / account holder | $314 | $575-45.4% | $8,287-96.2% | $433-27.6% |