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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 OF AMERICA · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $49,158 |
Service code 27 4340 REDWOOD HWY · SAN RAFAEL, CA 94903 | Advisory (Plan) | $34,352 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $76,972 | $72,620+6.0% | $90,760-15.2% | $66,938+15.0% |
| Participation rate | 94.1% | 73.7%+20.4pp | 75.7%+18.4pp | 69.8%+24.3pp |
| Annual return | -14.52% | -12.28%-2.2pp | -12.16%-2.4pp | 1.58%-16.1pp |
| Employer contribution / active EE | $998 | $2,369-57.9% | $2,922-65.9% | $2,545-60.8% |
| Participant deferral / active EE | $5,533 | $3,979+39.1% | $4,565+21.2% | $4,238+30.5% |
| Admin fee / account holder | $477 | $707-32.5% | $8,444-94.3% | $594-19.6% |