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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE CO OF AM Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $31,455 |
Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 55 | Other Commissions | $16,111 |
Service code 13 400 BROADWAY · CINCINNATI, OH 45202 | Contract Administrator | $4,442 |
Filed as: ENVESTNET RETIREMENT SOLUTIONS LLC Service code 99 1801 CALIFORNIA STREET · DENVER, CO 80202 | Other Fees | $1,447 |
Filed as: EMPOWER ADVISOR GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $1,024 |
Filed as: MASSACHUSETTS MUTUAL LIFE INS COMP Service code 55 PO BOX 9500 · SPRINGFIELD, MA 011029500 | Other 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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $72,784 | $59,105+23.1% | $159,991-54.5% | $66,930+8.7% |
| Participation rate | 49.7% | 68.1%-18.4pp | 78.0%-28.3pp | 69.8%-20.2pp |
| Annual return | -17.99% | -12.26%-5.7pp | 408.82%-426.8pp | 1.57%-19.6pp |
| Employer contribution / active EE | $0 | $1,983-100.0% | $4,225-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $6,343 | $4,395+44.3% | $6,183+2.6% | $4,238+49.7% |
| Admin fee / account holder | $381 | $591-35.6% | $8,715-95.6% | $593-35.9% |