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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 | $14,830 |
Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $11,724 |
AZALEA ADMINISTRATION LLC2 years Filed as: AZALEA ADMINISTRATION, LLC Service code 13 P.O. BOX 180293 · MOBILE, AL 36618 | Contract Administrator | $6,097 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $2,675 |
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.)
Annual investment return 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 | $61,255 | $72,639-15.7% | $90,766-32.5% | $66,949-8.5% |
| Participation rate | 55.2% | 73.7%-18.4pp | 75.7%-20.5pp | 69.8%-14.6pp |
| Annual return | -18.14% | -12.28%-5.9pp | -12.16%-6.0pp | 1.57%-19.7pp |
| Employer contribution / active EE | $855 | $2,369-63.9% | $2,922-70.7% | $2,545-66.4% |
| Participant deferral / active EE | $2,664 | $3,979-33.1% | $4,565-41.7% | $4,239-37.2% |
| Admin fee / account holder | $304 | $708-57.0% | $8,446-96.4% | $594-48.7% |