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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 | $77,788-64.5% | $119,126-76.8% | $64,728-57.3% |
| Participation rate | 47.7% | 69.4%-21.7pp | 75.8%-28.1pp | 57.9%-10.2pp |
| Annual return | 21.63% | 13.19%+8.4pp | 282.11%-260.5pp | 49.38%-27.7pp |
| Employer contribution / active EE | $879 | $4,031-78.2% | $4,034-78.2% | $2,243-60.8% |
| Participant deferral / active EE | $2,056 | $2,599-20.9% | $5,318-61.3% | $2,729-24.7% |
| Admin fee / account holder | $210 | $1,365-84.6% | $10,693-98.0% | $1,145-81.7% |