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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $38,603 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $22,059 |
CETERA ADVISOR NETWORKS LLC2+ years Filed as: ASSOCIATES IN EXCELLENCE DBA CETERA Service code 13 910 PASQUINELLI DR · WESTMONT, IL 60559 | Contract Administrator | $21,365 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $52,851 | $89,123-40.7% | $102,460-48.4% | $77,762-32.0% |
| Participation rate | 98.9% | 80.9%+18.0pp | 76.5%+22.4pp | 70.6%+28.3pp |
| Annual return | 11.10% | 25.05%-13.9pp | 29.47%-18.4pp | 31.27%-20.2pp |
| Employer contribution / active EE | $907 | $2,700-66.4% | $3,025-70.0% | $2,728-66.8% |
| Participant deferral / active EE | $4,720 | $5,148-8.3% | $5,056-6.6% | $4,651+1.5% |
| Admin fee / account holder | $316 | $236+33.8% | $9,460-96.7% | $433-27.1% |