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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 | $63,904-52.1% | $89,340-65.7% | $67,986-54.9% |
| Participation rate | 52.6% | 54.3%-1.7pp | 69.6%-16.9pp | 57.2%-4.6pp |
| Annual return | 12.97% | 18.09%-5.1pp | 20.57%-7.6pp | 31.67%-18.7pp |
| Employer contribution / active EE | $977 | $1,627-40.0% | $2,231-56.2% | $2,019-51.6% |
| Participant deferral / active EE | $2,077 | $2,691-22.8% | $3,823-45.7% | $3,358-38.2% |
| Admin fee / account holder | $325 | $3,315-90.2% | $6,704-95.2% | $3,203-89.9% |