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| Provider | Service type | Compensation |
|---|---|---|
Service code 99 35 1ST AVE NE · WATERTOWN, SD 57201 | Other Fees | $20,976 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $12,024 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $942 |
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.)
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 | $58,308 | $64,138-9.1% | $112,258-48.1% | $66,930-12.9% |
| Participation rate | 66.7% | 68.5%-1.8pp | 75.1%-8.4pp | 69.8%-3.1pp |
| Annual return | -17.59% | -13.81%-3.8pp | 27.47%-45.1pp | 1.57%-19.2pp |
| Employer contribution / active EE | $616 | $3,006-79.5% | $3,636-83.1% | $2,545-75.8% |
| Participant deferral / active EE | $3,862 | $3,694+4.5% | $4,728-18.3% | $4,238-8.9% |
| Admin fee / account holder | $336 | $625-46.3% | $6,411-94.8% | $593-43.4% |