| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 26 · EIN 84-1532243 | Advisory (Participants) | $4,431,621 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 15 · EIN 84-0467907 | Recordkeeping | $384,666 |
WILLIS TOWERS WATSON US LLC4 years Filed as: TOWERS WATSON DELAWARE, INC. Service code 30 · EIN 53-0181291 | Employee (plan); Direct payment from ... | $9,950 |
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).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $329,638 | $70,048+370.6% | $112,270+193.6% | $78,104+322.0% |
| Participation rate | 91.4% | 84.1%+7.3pp | 75.1%+16.4pp | 74.5%+16.9pp |
| Annual return | -16.87% | -10.85%-6.0pp | 27.49%-44.4pp | 10.90%-27.8pp |
| Employer contribution / active EE | $10,668 | $4,000+166.7% | $3,635+193.4% | $3,128+241.1% |
| Participant deferral / active EE | $14,004 | $3,679+280.6% | $4,729+196.1% | $5,089+175.2% |
| Admin fee / account holder | $329 | $127+159.4% | $6,411-94.9% | $79+316.9% |