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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 PO BOX 735399 · DALLAS, TX 753735399 | Advisory (Plan) | $19,080 |
Filed as: EMPOWER ANNUITY INSURANCE CO Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, OR 80111 | Recordkeeping Fees | $17,215 |
Service code 49 1600 VALLEY RIVER DR, STE 340 · EUGENE, OR 97401 | Other Services | $13,782 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $4,346 |
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.
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 | $98,578 | $93,617+5.3% | $135,982-27.5% | $75,177+31.1% |
| Participation rate | 98.6% | 75.2%+23.3pp | 81.9%+16.6pp | 67.2%+31.3pp |
| Annual return | 14.71% | 30.89%-16.2pp | 68.32%-53.6pp | 160.75%-146.0pp |
| Employer contribution / active EE | $3,078 | $3,538-13.0% | $4,859-36.6% | $2,671+15.2% |
| Participant deferral / active EE | $8,934 | $6,406+39.5% | $7,760+15.1% | $4,126+116.5% |
| Admin fee / account holder | $542 | $6,980-92.2% | $10,767-95.0% | $5,651-90.4% |