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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER RETIREMENT ADVISORY SERVICE Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $7,625 |
Filed as: MASSACHUSETTS MUTUAL LIFE INS COMP Service code 27 PO BOX 8089 · BOSTON, MA 022668089 | Advisory (Plan) | $4,381 |
Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $3,561 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,906 | $50,106-74.2% | $69,779-81.5% | $57,658-77.6% |
| Participation rate | 64.9% | 70.9%-6.0pp | 71.8%-6.9pp | 70.2%-5.3pp |
| Annual return | 6.41% | 14.58%-8.2pp | 12.99%-6.6pp | 5.13%+1.3pp |
| Employer contribution / active EE | $476 | $1,739-72.6% | $2,338-79.6% | $1,974-75.9% |
| Participant deferral / active EE | $849 | $2,486-65.8% | $2,931-71.0% | $3,061-72.3% |
| Admin fee / account holder | $21 | $89-76.4% | $4,381-99.5% | $95-77.8% |