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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $39,890 |
KESTRA INVESTMENT SERVICES LLC5+ years Service code 55 5707 SOUTHWEST PKWY · AUSTIN, TX 78735 | Other Commissions | $18,818 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $4,002 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $54,484 | $88,186-38.2% | $165,071-67.0% | $74,459-26.8% |
| Participation rate | 46.7% | 73.1%-26.4pp | 78.6%-31.9pp | 67.2%-20.5pp |
| Annual return | 20.42% | 17.13%+3.3pp | 70.17%-49.8pp | 1369.70%-1349.3pp |
| Employer contribution / active EE | $940 | $2,600-63.9% | $4,347-78.4% | $2,626-64.2% |
| Participant deferral / active EE | $4,547 | $4,505+0.9% | $6,035-24.7% | $4,350+4.5% |
| Admin fee / account holder | $320 | $2,234-85.7% | $12,695-97.5% | $1,945-83.5% |