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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 | $105,021 |
Filed as: MML INVESTORS SERVICES LLC Service code 55 PO BOX 9500 · SPRINFIELD, MA 011029500 | Other Commissions | $44,435 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $12,965 |
Filed as: ARES RETIREMENT PLAN SERVICES Service code 13 5100 POPLAR AVE STE 810 · MEMPHIS, TN 38137 | Contract Administrator | $9,900 |
Filed as: ARES RETIREMENT PLAN SERVICES LLC Service code 13 | Contract Administrator | $9,864 |
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.)
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 | $42,534 | $57,921-26.6% | $98,716-56.9% | $103,975-59.1% |
| Participation rate | 28.3% | 68.8%-40.5pp | 69.3%-41.0pp | 72.5%-44.3pp |
| Annual return | 47.21% | 13.15%+34.1pp | 31.81%+15.4pp | 19.41%+27.8pp |
| Employer contribution / active EE | $728 | $1,595-54.4% | $2,279-68.0% | $3,722-80.4% |
| Participant deferral / active EE | $1,411 | $2,573-45.2% | $4,048-65.1% | $5,343-73.6% |
| Admin fee / account holder | $327 | $324+1.0% | $8,703-96.2% | $332-1.7% |