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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 | $26,285 |
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $21,833 |
THE BENEFIT PRACTICE7 years Service code 13 1055 WASHINGTON BLVD · STAMFORD, CT 06901 | Contract Administrator | $9,833 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
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 | $96,858 | $80,731+20.0% | $103,378-6.3% | $74,400+30.2% |
| Participation rate | 55.0% | 65.7%-10.7pp | 74.5%-19.5pp | 67.2%-12.2pp |
| Annual return | 16.68% | 27.56%-10.9pp | 24.91%-8.2pp | 1367.51%-1350.8pp |
| Employer contribution / active EE | $579 | $3,159-81.7% | $3,870-85.0% | $2,624-77.9% |
| Participant deferral / active EE | $4,158 | $3,862+7.7% | $5,058-17.8% | $4,348-4.4% |
| Admin fee / account holder | $489 | $2,369-79.4% | $8,401-94.2% | $1,944-74.8% |