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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 4340 REDWOOD HWY · SAN RAFAEL, CA 94903 | Advisory (Plan) | $16,745 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $9,800 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $418 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $41,167 | $71,523-42.4% | $98,461-58.2% | $71,511-42.4% |
| Participation rate | 57.3% | 72.7%-15.4pp | 75.2%-17.9pp | 67.9%-10.7pp |
| Annual return | 9.62% | 32.43%-22.8pp | 21.17%-11.6pp | 28.86%-19.2pp |
| Employer contribution / active EE | $1,392 | $2,399-42.0% | $3,049-54.4% | $2,589-46.3% |
| Participant deferral / active EE | $2,297 | $4,109-44.1% | $4,738-51.5% | $4,291-46.5% |
| Admin fee / account holder | $329 | $1,676-80.4% | $8,961-96.3% | $1,588-79.3% |