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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 | $38,493 |
Filed as: MASSACHUSETTS MUTUAL LIFE INS COMP Service code 55 PO BOX 9500 · SPRINGFIELD, MA 01102 | Other Commissions | $17,394 |
NOVA 401(K) ASSOCIATES1 year Service code 13 10777 NORTHWEST FREEWAY · HOUSTON, TX 77092 | Contract Administrator | $6,625 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $4,037 |
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.)
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 | $51,079 | $49,451+3.3% | $79,580-35.8% | $66,938-23.7% |
| Participation rate | 44.4% | 61.3%-16.9pp | 69.5%-25.0pp | 69.8%-25.4pp |
| Annual return | -16.49% | 84.25%-100.7pp | 0.15%-16.6pp | 1.58%-18.1pp |
| Employer contribution / active EE | $519 | $1,266-59.0% | $2,413-78.5% | $2,545-79.6% |
| Participant deferral / active EE | $2,118 | $3,159-32.9% | $3,985-46.8% | $4,238-50.0% |
| Admin fee / account holder | $340 | $595-42.8% | $6,835-95.0% | $594-42.7% |