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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 | $55,496 |
LINSCO/PRIVATE LEDGER CORP4+ years Service code 55 9785 TOWNE CENTRE DRIVE · SAN DIEGO, CA 92121 | Other Commissions | $21,408 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $8,819 |
ASCENSUS LLC4+ years Filed as: ASCENSUS HOLDINGS INC DBA FUTUREPLA Service code 13 101 W. BROADWAY, STE 1420 · SAN DIEGO, CA 92101 | Contract Administrator | $4,125 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $9,755 | $53,216-81.7% | $155,534-93.7% | $199,960-95.1% |
| Participation rate | 25.0% | 64.1%-39.1pp | 78.2%-53.2pp | 72.0%-47.0pp |
| Annual return | 18.36% | 41.18%-22.8pp | 64.92%-46.6pp | 34.28%-15.9pp |
| Employer contribution / active EE | $188 | $1,848-89.8% | $4,675-96.0% | $3,036-93.8% |
| Participant deferral / active EE | $720 | $3,164-77.2% | $5,630-87.2% | $5,087-85.8% |
| Admin fee / account holder | $118 | $186-36.2% | $15,900-99.3% | $269-56.0% |