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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EASR ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $10,444 |
ORIENTAL BANK2 years Filed as: ORIENTAL BANK & TRUST Service code 99 P O BOX 191429 · SAN JUAN, PR 00919 | Other Fees | $2,456 |
Filed as: EMPOWER ADVISORY GROUP LLC Service code 28 8515 EAST OCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $466 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $8,830 | $30,107-70.7% | $61,452-85.6% | $64,819-86.4% |
| Participation rate | 13.7% | 36.4%-22.7pp | 52.6%-38.9pp | 71.5%-57.8pp |
| Annual return | -2.82% | -13.99%+11.2pp | 338.96%-341.8pp | 32.84%-35.7pp |
| Employer contribution / active EE | $164 | $537-69.5% | $1,160-85.9% | $2,507-93.5% |
| Participant deferral / active EE | $352 | $1,126-68.8% | $2,125-83.4% | $4,311-91.8% |
| Admin fee / account holder | $133 | $148-10.3% | $2,131-93.8% | $188-29.2% |