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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INS. CO. Service code 64 8515 EAST ORCHARD ROAD · GREENWOOOD VILLAGE, CO 80111 | Recordkeeping Fees | $56,290 |
Service code 53 | Insurance Commissions | $17,646 |
IMA WEALTH INC6 years Service code 53 · EIN 48-1233289 | Insurance Commissions | $0 |
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.
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 | $35,887 | $34,634+3.6% | $77,081-53.4% | $64,814-44.6% |
| Participation rate | 29.9% | 49.8%-19.9pp | 67.9%-38.0pp | 71.5%-41.5pp |
| Annual return | -25.49% | -5.31%-20.2pp | 42.33%-67.8pp | 32.84%-58.3pp |
| Employer contribution / active EE | $845 | $1,385-39.0% | $2,813-70.0% | $2,507-66.3% |
| Participant deferral / active EE | $2,083 | $2,553-18.4% | $4,428-53.0% | $4,310-51.7% |
| Admin fee / account holder | $372 | $178+108.6% | $5,427-93.1% | $188+98.1% |