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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 | $78,349 |
Filed as: MML INVESTORS SERVICES LLC Service code 55 PO BOX 9500 · SPRINFIELD, MA 011029500 | Other Commissions | $32,355 |
Filed as: ARES RETIREMENT PLAN SERVICES Service code 13 5100 POPLAR AVE STE 810 · MEMPHIS, TN 38137 | Contract Administrator | $9,140 |
Filed as: ARES RETIREMENT PLAN SERVICES LLC Service code 13 | Contract Administrator | $8,606 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $8,085 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $45,417 | $54,245-16.3% | $93,727-51.5% | $77,762-41.6% |
| Participation rate | 22.4% | 63.9%-41.6pp | 68.7%-46.3pp | 70.6%-48.2pp |
| Annual return | 13.37% | 30.58%-17.2pp | 133.83%-120.5pp | 31.27%-17.9pp |
| Employer contribution / active EE | $694 | $1,168-40.6% | $2,421-71.3% | $2,728-74.6% |
| Participant deferral / active EE | $1,251 | $3,144-60.2% | $4,417-71.7% | $4,651-73.1% |
| Admin fee / account holder | $452 | $575-21.4% | $8,292-94.5% | $433+4.5% |