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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 | $88,297 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $88,126 |
MMA SECURITIES LLC5 years Service code 27 PO BOX 9497 · NEW YORK, NY 10087 | Advisory (Plan) | $70,925 |
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.
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 | $47,781 | $92,745-48.5% | $89,340-46.5% | $103,975-54.0% |
| Participation rate | 53.0% | 78.0%-25.0pp | 69.6%-16.5pp | 72.5%-19.5pp |
| Annual return | 16.34% | 13.58%+2.8pp | 20.57%-4.2pp | 19.41%-3.1pp |
| Employer contribution / active EE | $422 | $3,754-88.8% | $2,231-81.1% | $3,722-88.7% |
| Participant deferral / active EE | $2,966 | $4,592-35.4% | $3,823-22.4% | $5,343-44.5% |
| Admin fee / account holder | $220 | $146+50.1% | $6,704-96.7% | $332-33.9% |