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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 4340 REDWOOD HWY · SAN RAFAEL, CA 94903 | Advisory (Plan) | $27,056 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $25,231 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $10,313 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $139,216 | $46,464+199.6% | $150,298-7.4% | $79,634+74.8% |
| Participation rate | 60.8% | 57.0%+3.8pp | 77.8%-17.0pp | 62.5%-1.7pp |
| Annual return | 16.27% | 27.89%-11.6pp | 62.79%-46.5pp | 36.46%-20.2pp |
| Employer contribution / active EE | $4,468 | $1,512+195.6% | $4,154+7.6% | $2,529+76.7% |
| Participant deferral / active EE | $9,223 | $2,157+327.6% | $5,453+69.1% | $3,835+140.5% |
| Admin fee / account holder | $488 | $891-45.2% | $14,116-96.5% | $1,002-51.3% |