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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 3409 TRANSTECH WAY, STE A · BILLINGS, MT 59102 | Advisory (Plan) | $14,801 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $9,157 |
BIG SKY RETIREMENT INC2 years Service code 13 900 N MONTANA AVE, STE A1 · HELENA, MT 59601 | Contract Administrator | $2,210 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,355 | $69,590-47.8% | $136,867-73.4% | $94,015-61.3% |
| Participation rate | 58.4% | 66.3%-7.9pp | 74.5%-16.1pp | 70.8%-12.4pp |
| Annual return | 12.81% | 19.62%-6.8pp | 42.97%-30.2pp | 17.84%-5.0pp |
| Employer contribution / active EE | $565 | $2,396-76.4% | $3,547-84.1% | $2,790-79.8% |
| Participant deferral / active EE | $973 | $3,437-71.7% | $4,924-80.2% | $4,249-77.1% |
| Admin fee / account holder | $304 | $8,912-96.6% | $10,340-97.1% | $8,951-96.6% |