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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 | $22,580 |
Service code 27 24 E COTA ST STE 200 · SANTA BARBARA, CA 93101 | Advisory (Plan) | $16,107 |
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 | $30,637 | $62,086-50.7% | $90,259-66.1% | $64,340-52.4% |
| Participation rate | 52.6% | 53.9%-1.2pp | 70.7%-18.1pp | 55.2%-2.6pp |
| Annual return | 12.97% | 16.73%-3.8pp | 18.88%-5.9pp | 24.14%-11.2pp |
| Employer contribution / active EE | $977 | $1,883-48.1% | $2,291-57.3% | $1,862-47.5% |
| Participant deferral / active EE | $2,077 | $2,557-18.8% | $3,827-45.7% | $2,980-30.3% |
| Admin fee / account holder | $325 | $3,317-90.2% | $7,267-95.5% | $3,703-91.2% |