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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY5 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $34,266 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $20,810 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $8,811 |
Filed as: CREATIVE RETIREMENT PLAN CONSULTING Service code 13 2000 S. COLORADO BLVD. · DENVER, CO 80222 | Contract Administrator | $900 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $73,348 | $105,248-30.3% | $147,318-50.2% | $71,012+3.3% |
| Participation rate | 98.9% | 66.1%+32.7pp | 82.1%+16.8pp | 58.6%+40.3pp |
| Annual return | 11.23% | 26.02%-14.8pp | 70.43%-59.2pp | 37.67%-26.4pp |
| Employer contribution / active EE | $1,901 | $3,785-49.8% | $4,593-58.6% | $2,348-19.1% |
| Participant deferral / active EE | $4,188 | $6,452-35.1% | $7,906-47.0% | $3,246+29.0% |
| Admin fee / account holder | $526 | $862-39.0% | $13,708-96.2% | $1,167-55.0% |