| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 26 · EIN 84-1532243 | Advisory (Participants) | $4,277,288 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 15 · EIN 84-0467907 | Recordkeeping | $351,627 |
WILLIS TOWERS WATSON US LLC5 years Filed as: TOWERS WATSON DELAWARE, INC. Service code 30 · EIN 53-0181291 | Direct payment from the plan; Employe... | $10,800 |
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).
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 | $363,183 | $74,831+385.3% | $96,543+276.2% | $103,657+250.4% |
| Participation rate | 91.2% | 83.1%+8.1pp | 74.3%+16.8pp | 73.4%+17.8pp |
| Annual return | 15.97% | 16.15%-0.2pp | 35.75%-19.8pp | 33.13%-17.2pp |
| Employer contribution / active EE | $10,455 | $3,888+168.9% | $3,741+179.5% | $3,216+225.1% |
| Participant deferral / active EE | $13,974 | $3,896+258.7% | $4,880+186.3% | $5,218+167.8% |
| Admin fee / account holder | $300 | $130+130.7% | $6,737-95.5% | $114+163.0% |