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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 27 · EIN 13-5674085 | Advisory (Plan) | $11,651 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 · EIN 04-1590850 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $199 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,688 | $106,236-33.5% | $112,263-37.0% | $64,824+9.0% |
| Participation rate | 17.8% | 71.7%-53.9pp | 75.1%-57.3pp | 71.5%-53.7pp |
| Annual return | -15.95% | -6.02%-9.9pp | 27.49%-43.4pp | 32.84%-48.8pp |
| Employer contribution / active EE | $0 | $3,167-100.0% | $3,636-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $1,350 | $3,786-64.3% | $4,729-71.5% | $4,311-68.7% |
| Admin fee / account holder | $470 | $452+4.1% | $6,410-92.7% | $188+150.4% |