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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 | $67,776-54.8% | $90,312-66.1% | $65,306-53.1% |
| Participation rate | 52.6% | 58.1%-5.5pp | 72.9%-20.3pp | 57.7%-5.0pp |
| Annual return | 12.97% | 16.62%-3.7pp | 18.90%-5.9pp | 21.94%-9.0pp |
| Employer contribution / active EE | $977 | $2,195-55.5% | $2,243-56.4% | $1,967-50.3% |
| Participant deferral / active EE | $2,077 | $2,641-21.4% | $3,749-44.6% | $2,959-29.8% |
| Admin fee / account holder | $325 | $3,322-90.2% | $8,248-96.1% | $3,480-90.7% |