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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INS CO. OF AMERICA Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $45,459 |
MORGAN STANLEY SMITH BARNEY10+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 55 · EIN 26-4310632 | Other Commissions | $27,687 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 · EIN 84-1532243 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $15,249 |
LOREN D. STARK COMPANY10+ years Service code 13 · EIN 74-1537058 10750 ROCKLEY ROAD · HOUSTON, TX 77099 | Contract Administrator | $11,033 |
MORGAN STANLEY SMITH BARNEY8 years Filed as: MORGAN STANLEY INSURANCE SERVICES I Service code 55 · EIN 51-0116113 | Other Commissions | $2,463 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $55,110 | $79,209-30.4% | $102,434-46.2% | $74,459-26.0% |
| Participation rate | 80.0% | 74.8%+5.2pp | 76.5%+3.5pp | 67.2%+12.8pp |
| Annual return | 11.06% | 54.98%-43.9pp | 29.46%-18.4pp | 1369.70%-1358.6pp |
| Employer contribution / active EE | $1,344 | $2,362-43.1% | $3,023-55.5% | $2,626-48.8% |
| Participant deferral / active EE | $3,561 | $4,417-19.4% | $5,055-29.5% | $4,350-18.1% |
| Admin fee / account holder | $349 | $2,002-82.6% | $9,462-96.3% | $1,945-82.1% |