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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 | $186,495 |
AMARILLO NATIONAL BANK3 years Service code 27 410 S TAYLOR · AMARILLO, TX 79105 | Advisory (Plan) | $127,998 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $14,631 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $82,488 | $72,482+13.8% | $129,110-36.1% | $64,814+27.3% |
| Participation rate | 76.3% | 79.2%-2.9pp | 77.3%-0.9pp | 71.5%+4.9pp |
| Annual return | -15.70% | -9.08%-6.6pp | -10.94%-4.8pp | 32.84%-48.5pp |
| Employer contribution / active EE | $4,275 | $4,247+0.7% | $5,052-15.4% | $2,507+70.5% |
| Participant deferral / active EE | $6,652 | $5,679+17.1% | $6,542+1.7% | $4,310+54.3% |
| Admin fee / account holder | $753 | $144+422.0% | $14,302-94.7% | $188+301.0% |