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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 · EIN 84-0467907 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $41,052 |
MORGAN STANLEY SMITH BARNEY8+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 55 · EIN 26-4310632 | Other Commissions | $21,531 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 · EIN 84-1532243 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $13,040 |
LOREN D. STARK COMPANY8+ years Service code 13 · EIN 74-1537058 10750 ROCKLEY ROAD · HOUSTON, TX 77099 | Contract Administrator | $9,945 |
MORGAN STANLEY SMITH BARNEY6 years Filed as: MORGAN STANLEY INSURANCE SERVICES I Service code 55 · EIN 51-0116113 | Other Commissions | $3,043 |
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).
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 | $45,090 | $65,453-31.1% | $86,691-48.0% | $66,930-32.6% |
| Participation rate | 75.6% | 75.5%+0.1pp | 76.6%-1.0pp | 69.8%+5.8pp |
| Annual return | -14.94% | -10.89%-4.0pp | 35.94%-50.9pp | 1.57%-16.5pp |
| Employer contribution / active EE | $1,148 | $2,154-46.7% | $2,837-59.5% | $2,545-54.9% |
| Participant deferral / active EE | $3,237 | $4,102-21.1% | $4,656-30.5% | $4,238-23.6% |
| Admin fee / account holder | $303 | $642-52.8% | $7,492-96.0% | $593-48.9% |