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| Provider | Service type | Compensation |
|---|---|---|
CARPENTER MORSE GROUP1 year Service code 13 · EIN 81-4636200 | Contract Administrator | $1,500 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 · EIN 82-2696116 | Recordkeeping Fees | $664 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,544 | $64,138-50.8% | $112,258-71.9% | $66,930-52.9% |
| Participation rate | 51.8% | 68.5%-16.7pp | 75.1%-23.3pp | 69.8%-18.0pp |
| Annual return | -15.43% | -13.81%-1.6pp | 27.47%-42.9pp | 1.57%-17.0pp |
| Employer contribution / active EE | $742 | $3,006-75.3% | $3,636-79.6% | $2,545-70.9% |
| Participant deferral / active EE | $2,391 | $3,694-35.3% | $4,728-49.4% | $4,238-43.6% |
| Admin fee / account holder | $22 | $625-96.4% | $6,411-99.7% | $593-96.2% |