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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.)
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 | $61,125-40.5% | $94,057-61.3% | $87,485-58.4% |
| Participation rate | 58.4% | 64.1%-5.6pp | 73.3%-14.9pp | 68.9%-10.5pp |
| Annual return | 12.81% | 35.20%-22.4pp | 480.62%-467.8pp | 26.06%-13.3pp |
| Employer contribution / active EE | $565 | $2,136-73.6% | $2,933-80.7% | $2,596-78.2% |
| Participant deferral / active EE | $973 | $3,260-70.2% | $4,709-79.3% | $4,274-77.2% |
| Admin fee / account holder | $304 | $5,629-94.6% | $7,244-95.8% | $7,775-96.1% |