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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 | $3,248 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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).
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 | $42,999 | $41,016+4.8% | $152,093-71.7% | $64,097-32.9% |
| Participation rate | 22.6% | 51.3%-28.8pp | 77.8%-55.2pp | 55.2%-32.6pp |
| Annual return | 8.89% | 39.60%-30.7pp | 66.36%-57.5pp | 34.64%-25.7pp |
| Employer contribution / active EE | $378 | $1,342-71.8% | $4,175-90.9% | $1,891-80.0% |
| Participant deferral / active EE | $749 | $1,927-61.2% | $5,451-86.3% | $3,080-75.7% |
| Admin fee / account holder | $54 | $2,305-97.7% | $14,497-99.6% | $3,454-98.4% |