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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INS CO OF AMERICA Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $22,151 |
COMMERCE BANK4 years Filed as: COMMERCE STREET INV ADV DBA COMMERC Service code 27 1445 ROSS AVE, STE 2700 · DALLAS, TX 75202 | Advisory (Plan) | $19,122 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $12,140 |
ARMANINO LLP4 years Service code 13 12657 ALCOSTA BLVD STE 500 · SAN RAMON, CA 94583 | Contract Administrator | $10,744 |
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.
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 | $66,441 | $88,186-24.7% | $165,071-59.7% | $74,459-10.8% |
| Participation rate | 85.2% | 73.1%+12.1pp | 78.6%+6.6pp | 67.2%+18.0pp |
| Annual return | 10.48% | 17.13%-6.6pp | 70.17%-59.7pp | 1369.70%-1359.2pp |
| Employer contribution / active EE | $1,517 | $2,600-41.6% | $4,347-65.1% | $2,626-42.2% |
| Participant deferral / active EE | $3,839 | $4,505-14.8% | $6,035-36.4% | $4,350-11.7% |
| Admin fee / account holder | $400 | $2,234-82.1% | $12,695-96.8% | $1,945-79.4% |