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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 | $52,047 |
Filed as: MASSACHUSETTS MUTUAL LIFE INS COMP Service code 55 PO BOX 9500 · SPRINFIELD, MA 011029500 | Other Commissions | $19,935 |
ACUFF & ASSOCIATES, INC.1 year Filed as: ACUFF & ASSOCIATES INC Service code 13 320 SEVEN SPRINGS · BRENTWOOD, TN 37027 | Contract Administrator | $10,756 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $3,937 |
Filed as: ARES RETIREMENT PLAN SERVICES, LLC Service code 13 9382 GRPVE VIEW COVE · GERMANTOWN, TN 38139 | Contract Administrator | $1,313 |
Filed as: ARES RETIREMENT PLAN SERVICES LLC Service code 13 | Contract Administrator | $824 |
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.)
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 | $30,538 | $42,367-27.9% | $79,580-61.6% | $64,819-52.9% |
| Participation rate | 23.4% | 64.7%-41.4pp | 69.5%-46.1pp | 71.5%-48.1pp |
| Annual return | -17.72% | -12.23%-5.5pp | 0.15%-17.9pp | 32.84%-50.6pp |
| Employer contribution / active EE | $401 | $1,181-66.0% | $2,413-83.4% | $2,507-84.0% |
| Participant deferral / active EE | $1,129 | $3,170-64.4% | $3,985-71.7% | $4,311-73.8% |
| Admin fee / account holder | $366 | $160+129.5% | $6,835-94.6% | $188+95.0% |