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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $73,274 |
AMERICAN REALTY ADVISORS4+ years Filed as: AMERICAN PENSION SERVICES, LLC Service code 13 2454 N MCMULLEN BOOTH RD STE · CLEARWATER, FL 33759 | Contract Administrator | $5,309 |
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.)
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 | $27,143 | $45,022-39.7% | $85,126-68.1% | $77,714-65.1% |
| Participation rate | 41.5% | 48.7%-7.2pp | 67.5%-26.0pp | 70.6%-29.1pp |
| Annual return | 20.50% | 79.38%-58.9pp | 66.63%-46.1pp | 31.26%-10.8pp |
| Employer contribution / active EE | $1,387 | $1,610-13.9% | $2,731-49.2% | $2,727-49.1% |
| Participant deferral / active EE | $2,738 | $2,811-2.6% | $4,523-39.5% | $4,649-41.1% |
| Admin fee / account holder | $517 | $913-43.4% | $6,160-91.6% | $433+19.3% |