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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE CO. Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $24,859 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $18,309 |
THE BENEFIT PRACTICE6 years Service code 13 1055 WASHINGTON BLVD · STAMFORD, CT 06901 | Contract Administrator | $9,038 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $79,541 | $73,978+7.5% | $96,515-17.6% | $75,173+5.8% |
| Participation rate | 58.2% | 66.4%-8.3pp | 74.3%-16.2pp | 67.2%-9.0pp |
| Annual return | -0.38% | 26.72%-27.1pp | 35.73%-36.1pp | 160.72%-161.1pp |
| Employer contribution / active EE | $1,083 | $2,931-63.0% | $3,740-71.0% | $2,671-59.5% |
| Participant deferral / active EE | $4,332 | $3,660+18.4% | $4,880-11.2% | $4,126+5.0% |
| Admin fee / account holder | $438 | $5,219-91.6% | $6,735-93.5% | $5,651-92.3% |