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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $27,953 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $20,296 |
Filed as: CAMBRIDGE INVESTMENT GROUP Service code 27 1776 PLEASANT PLAIN RD · FAIRFIELD, IA 52556 | Advisory (Plan) | $14,997 |
PROFESSIONAL BENEFIT SERVICES11+ years Service code 13 · EIN 93-0998477 1193 ROYVONNE SE, SUITE 22 · SALEM, OR 97302 | Contract Administrator | $7,656 |
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.)
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 | $43,823 | $51,092-14.2% | $76,735-42.9% | $79,634-45.0% |
| Participation rate | 20.3% | 50.2%-29.9pp | 69.5%-49.2pp | 62.5%-42.2pp |
| Annual return | 12.20% | 18.04%-5.8pp | 29.77%-17.6pp | 36.46%-24.3pp |
| Employer contribution / active EE | $187 | $1,519-87.7% | $2,454-92.4% | $2,529-92.6% |
| Participant deferral / active EE | $1,099 | $2,529-56.6% | $4,088-73.1% | $3,835-71.3% |
| Admin fee / account holder | $309 | $1,865-83.4% | $7,189-95.7% | $1,002-69.1% |