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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.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $86,882-68.2% | $150,734-81.7% | $69,255-60.1% |
| Participation rate | 47.7% | 84.3%-36.6pp | 78.4%-30.8pp | 69.0%-21.4pp |
| Annual return | 21.63% | 10.69%+10.9pp | 600.81%-579.2pp | 26.73%-5.1pp |
| Employer contribution / active EE | $879 | $5,194-83.1% | $4,918-82.1% | $2,645-66.8% |
| Participant deferral / active EE | $2,056 | $2,993-31.3% | $5,610-63.3% | $2,890-28.9% |
| Admin fee / account holder | $210 | $630-66.7% | $14,905-98.6% | $733-71.3% |