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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $36,771 |
Filed as: KESTRA ADVISORY SERVICES LLC Service code 27 5707 SWST PRKWY BLDG 2 · AUSTIN, TX 78735 | Advisory (Plan) | $18,652 |
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 | $41,128 | $101,653-59.5% | $147,080-72.0% | $74,459-44.8% |
| Participation rate | 47.9% | 75.6%-27.7pp | 82.2%-34.3pp | 67.2%-19.4pp |
| Annual return | 22.82% | 8754.98%-8732.2pp | 420.17%-397.3pp | 1369.70%-1346.9pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,933-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $7,040 | $7,304-3.6% | $8,066-12.7% | $4,350+61.9% |
| Admin fee / account holder | $571 | $1,752-67.4% | $12,989-95.6% | $1,945-70.6% |