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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 | $39,116 |
Service code 27 1400 AMERICAN BLVD BLDG #4 · PENNINGTON, NJ 08534 | Advisory (Plan) | $27,201 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $22,219 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $68,329 | $88,982-23.2% | $102,438-33.3% | $77,671-12.0% |
| Participation rate | 51.4% | 80.9%-29.5pp | 76.5%-25.1pp | 70.6%-19.2pp |
| Annual return | 14.24% | 25.01%-10.8pp | 29.37%-15.1pp | 31.21%-17.0pp |
| Employer contribution / active EE | $1,188 | $2,698-56.0% | $3,024-60.7% | $2,726-56.4% |
| Participant deferral / active EE | $2,371 | $5,144-53.9% | $5,054-53.1% | $4,648-49.0% |
| Admin fee / account holder | $311 | $236+31.9% | $9,448-96.7% | $430-27.8% |