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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.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,355 | $49,976-27.3% | $66,674-45.5% | $82,637-56.0% |
| Participation rate | 58.4% | 63.1%-4.7pp | 73.7%-15.2pp | 68.1%-9.6pp |
| Annual return | 12.81% | 39.09%-26.3pp | 321.24%-308.4pp | 53.51%-40.7pp |
| Employer contribution / active EE | $565 | $1,988-71.6% | $2,620-78.4% | $2,552-77.9% |
| Participant deferral / active EE | $973 | $2,847-65.8% | $4,084-76.2% | $4,126-76.4% |
| Admin fee / account holder | $304 | $4,594-93.4% | $5,098-94.0% | $7,339-95.9% |