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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 401 NORTH 31ST ST · BILLINGS, MT 59101 | Advisory (Plan) | $37,469 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $31,369 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $69,325 | $42,367+63.6% | $79,583-12.9% | $64,824+6.9% |
| Participation rate | 45.3% | 64.7%-19.4pp | 69.5%-24.2pp | 71.5%-26.2pp |
| Annual return | -18.38% | -12.24%-6.1pp | 0.16%-18.5pp | 32.84%-51.2pp |
| Employer contribution / active EE | $0 | $1,181-100.0% | $2,414-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $3,352 | $3,168+5.8% | $3,986-15.9% | $4,311-22.2% |
| Admin fee / account holder | $339 | $160+112.5% | $6,835-95.0% | $188+80.5% |