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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH PIERCE FENNER Service code 27 · EIN 13-5674085 1400 AMERICAN BLVD BLDG #4 · PENNINGTON, NJ 08534 | Advisory (Plan) | $23,659 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 · EIN 84-0467907 8515 E.ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $9,602 |
Filed as: INDEPENDENT RETIREMENT CONSULTING L Service code 13 · EIN 90-0451904 6500 S. MACADAM AVE · PORTLAND, OR 97239 | Contract Administrator | $6,366 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 · EIN 84-0467907 8515 E.ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $3,499 |
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 | $72,230 | $63,904+13.0% | $89,340-19.2% | $67,986+6.2% |
| Participation rate | 64.2% | 54.3%+9.9pp | 69.6%-5.4pp | 57.2%+7.0pp |
| Annual return | 16.71% | 18.09%-1.4pp | 20.57%-3.9pp | 31.67%-15.0pp |
| Employer contribution / active EE | $0 | $1,627-100.0% | $2,231-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $3,106 | $2,691+15.4% | $3,823-18.7% | $3,358-7.5% |
| Admin fee / account holder | $338 | $3,315-89.8% | $6,704-95.0% | $3,203-89.4% |