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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 | $55,830 |
OSAIC WEALTH INC1 year Service code 55 10 EXCHANGE PLACE STE 1410 · JERSEY CITY, NJ 07302 | Other Commissions | $35,711 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $6,338 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $119,800 | $89,465+33.9% | $164,866-27.3% | $77,671+54.2% |
| Participation rate | 40.2% | 78.6%-38.4pp | 78.6%-38.4pp | 70.6%-30.4pp |
| Annual return | 16.76% | 28.81%-12.1pp | 69.97%-53.2pp | 31.21%-14.5pp |
| Employer contribution / active EE | $0 | $2,568-100.0% | $4,343-100.0% | $2,726-100.0% |
| Participant deferral / active EE | $2,877 | $4,897-41.3% | $6,033-52.3% | $4,648-38.1% |
| Admin fee / account holder | $357 | $340+5.2% | $12,689-97.2% | $430-17.0% |