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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 | $7,406 |
Filed as: EMPOWER ADVISORY GROUP Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $1,371 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $20,023 | $82,188-75.6% | $125,391-84.0% | $64,824-69.1% |
| Participation rate | 79.6% | 77.9%+1.7pp | 82.4%-2.8pp | 71.5%+8.1pp |
| Annual return | 3.82% | 3.50%+0.3pp | 572.41%-568.6pp | 32.84%-29.0pp |
| Employer contribution / active EE | $3,315 | $3,617-8.4% | $4,816-31.2% | $2,507+32.2% |
| Participant deferral / active EE | $5,205 | $7,177-27.5% | $7,448-30.1% | $4,311+20.7% |
| Admin fee / account holder | $29 | $163-82.1% | $10,009-99.7% | $188-84.4% |