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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 27 · EIN 13-5674085 | Advisory (Plan) | $17,153 |
Filed as: EMPOWER ADVISORY GROUP LLC Service code 28 · EIN 84-0467907 | Investment Management | $13,825 |
Filed as: EMPOWER ANNUITY INS CO OF AMER Service code 64 · EIN 84-0467907 | Recordkeeping Fees | $12,661 |
Service code 13 · EIN 20-3855127 PO BOX 9575 · WARNER ROBINS, GA 31095 | Contract Administrator | $250 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $89,028 | $91,760-3.0% | $156,181-43.0% | $67,986+31.0% |
| Participation rate | 63.9% | 65.0%-1.1pp | 78.8%-15.0pp | 57.2%+6.7pp |
| Annual return | 12.43% | 18.14%-5.7pp | 64.87%-52.4pp | 31.67%-19.2pp |
| Employer contribution / active EE | $2,085 | $2,419-13.8% | $4,294-51.4% | $2,019+3.3% |
| Participant deferral / active EE | $3,033 | $3,960-23.4% | $6,132-50.5% | $3,358-9.7% |
| Admin fee / account holder | $399 | $3,949-89.9% | $14,586-97.3% | $3,203-87.5% |