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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 1400 AMERICAN BLVD BLDG #4 · PENNINGTON, NJ 08534 | Advisory (Plan) | $17,502 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $10,993 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $3,589 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $88,538 | $59,467+48.9% | $93,727-5.5% | $74,478+18.9% |
| Participation rate | 38.1% | 59.6%-21.5pp | 68.7%-30.6pp | 67.2%-29.1pp |
| Annual return | 8.00% | 82.14%-74.1pp | 133.83%-125.8pp | 1370.56%-1362.6pp |
| Employer contribution / active EE | $942 | $1,267-25.6% | $2,421-61.1% | $2,626-64.1% |
| Participant deferral / active EE | $3,579 | $3,052+17.3% | $4,417-19.0% | $4,350-17.7% |
| Admin fee / account holder | $327 | $3,028-89.2% | $8,292-96.1% | $1,946-83.2% |