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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $50,314 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $41,757 |
CETERA ADVISOR NETWORKS LLC2 years Filed as: CETERA INVESTMENT ADVISERS LLC Service code 27 200 N PACIFIC COAST HWY STE 1200 · EL SEGUNDO, CA 90245 | Advisory (Plan) | $35,126 |
Service code 27 1445 ROSS AVE STE 2700 · DALLAS, TX 75202 | Advisory (Plan) | $7,025 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $27,638 | $92,224-70.0% | $105,223-73.7% | $79,634-65.3% |
| Participation rate | 47.7% | 69.2%-21.5pp | 75.0%-27.4pp | 62.5%-14.8pp |
| Annual return | 21.63% | 88.65%-67.0pp | 180.65%-159.0pp | 36.46%-14.8pp |
| Employer contribution / active EE | $879 | $3,965-77.8% | $3,689-76.2% | $2,529-65.2% |
| Participant deferral / active EE | $2,056 | $3,834-46.4% | $5,072-59.5% | $3,835-46.4% |
| Admin fee / account holder | $210 | $1,121-81.3% | $8,859-97.6% | $1,002-79.0% |