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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 | $64,920-44.0% | $103,693-64.9% | $86,983-58.2% |
| Participation rate | 58.4% | 63.6%-5.1pp | 72.6%-14.2pp | 69.5%-11.1pp |
| Annual return | 12.81% | 30.29%-17.5pp | 47.61%-34.8pp | 25.83%-13.0pp |
| Employer contribution / active EE | $565 | $2,141-73.6% | $2,920-80.7% | $2,584-78.1% |
| Participant deferral / active EE | $973 | $3,241-70.0% | $4,579-78.8% | $4,194-76.8% |
| Admin fee / account holder | $304 | $6,191-95.1% | $7,858-96.1% | $7,856-96.1% |