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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $129,376 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $0 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $97,108 | $86,655+12.1% | $119,608-18.8% | $66,930+45.1% |
| Participation rate | 76.5% | 75.6%+1.0pp | 79.3%-2.7pp | 69.8%+6.7pp |
| Annual return | -30.88% | -8.00%-22.9pp | -14.98%-15.9pp | 1.57%-32.5pp |
| Employer contribution / active EE | $2,852 | $2,536+12.5% | $4,232-32.6% | $2,545+12.1% |
| Participant deferral / active EE | $11,502 | $4,358+163.9% | $5,601+105.3% | $4,238+171.4% |
| Admin fee / account holder | $445 | $755-41.1% | $10,326-95.7% | $593-25.1% |