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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 | $73,786 |
MMA SECURITIES LLC7 years Service code 27 · EIN 22-3570392 P.O. BOX 9497 · NEW YORK, NY 10087 | Advisory (Plan) | $26,045 |
Service code 13 · EIN 33-0461574 9665 CHESAPEAKE DR.,STE 201 · SAN DIEGO, CA 92123 | Contract Administrator | $9,931 |
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 | $101,538 | $73,149+38.8% | $120,580-15.8% | $77,762+30.6% |
| Participation rate | 43.2% | 55.2%-11.9pp | 72.0%-28.7pp | 70.6%-27.3pp |
| Annual return | 14.97% | 18.24%-3.3pp | 107.48%-92.5pp | 31.27%-16.3pp |
| Employer contribution / active EE | $416 | $1,793-76.8% | $3,469-88.0% | $2,728-84.8% |
| Participant deferral / active EE | $2,482 | $3,006-17.4% | $4,995-50.3% | $4,651-46.6% |
| Admin fee / account holder | $514 | $660-22.1% | $9,418-94.5% | $433+18.8% |