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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INS CO OF AMERICA Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $31,765 |
Service code 27 1400 AMERICAN BLVD BLDG #4 · PENNINGTON, NJ 08534 | Advisory (Plan) | $28,631 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $4,645 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $53,707 | $79,181-32.2% | $102,423-47.6% | $74,429-27.8% |
| Participation rate | 53.3% | 74.8%-21.5pp | 76.5%-23.2pp | 67.2%-13.9pp |
| Annual return | 10.78% | 54.97%-44.2pp | 29.42%-18.6pp | 1368.38%-1357.6pp |
| Employer contribution / active EE | $605 | $2,362-74.4% | $3,023-80.0% | $2,625-76.9% |
| Participant deferral / active EE | $2,750 | $4,416-37.7% | $5,054-45.6% | $4,348-36.8% |
| Admin fee / account holder | $385 | $2,002-80.8% | $9,455-95.9% | $1,944-80.2% |