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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 | $45,319 |
CREATIVE PLANNING LLC3 years Service code 27 5440 W 110TH ST STE 102 · OVERLAND PARK, KS 66211 | Advisory (Plan) | $34,643 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $82,817 | $83,023-0.2% | $102,437-19.2% | $77,762+6.5% |
| Participation rate | 47.2% | 71.5%-24.3pp | 74.5%-27.3pp | 70.6%-23.4pp |
| Annual return | 27.70% | 19.12%+8.6pp | 24.95%+2.7pp | 31.27%-3.6pp |
| Employer contribution / active EE | $395 | $3,552-88.9% | $3,871-89.8% | $2,728-85.5% |
| Participant deferral / active EE | $2,722 | $4,110-33.8% | $5,060-46.2% | $4,651-41.5% |
| Admin fee / account holder | $337 | $639-47.2% | $8,388-96.0% | $433-22.1% |