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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE CO Service code 64 8515 EAST ORCHARD RD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $29,833 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY INSURANCE SERVICES Service code 55 | Other Commissions | $12,597 |
ASCENSUS LLC2 years Filed as: ASCENSUS HOLDINGS Service code 13 101 W BROADWAY SUITE 1420 · SAN DIEGO, CA 92101 | Contract Administrator | $5,821 |
Filed as: EMPOWER ADVISORY GROUP Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $5,152 |
TD AMERITRADE, INC.2 years Filed as: TD AMERITRADE Service code 33 200 SOUTH 108TH AVENUE · OMAHA, NE 68154 | Securities brokerage | $25 |
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY Service code 55 1 NEW YORK PLZ 12TH FLOOR · NEW YORK, NY 10004 | Other Commissions | $0 |
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 | $78,916 | $65,125+21.2% | $143,797-45.1% | $66,949+17.9% |
| Participation rate | 96.5% | 65.2%+31.3pp | 80.3%+16.2pp | 69.8%+26.7pp |
| Annual return | -8.24% | -11.13%+2.9pp | -0.04%-8.2pp | 1.57%-9.8pp |
| Employer contribution / active EE | $4,946 | $2,362+109.3% | $4,952-0.1% | $2,545+94.3% |
| Participant deferral / active EE | $6,080 | $2,920+108.2% | $5,638+7.8% | $4,239+43.4% |
| Admin fee / account holder | $431 | $503-14.2% | $14,679-97.1% | $594-27.4% |