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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY3 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $27,376 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $16,599 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $63,187 | $54,717+15.5% | $86,216-26.7% | $71,511-11.6% |
| Participation rate | 58.5% | 60.1%-1.6pp | 69.0%-10.5pp | 67.9%-9.4pp |
| Annual return | 12.77% | 20.07%-7.3pp | 1169.42%-1156.6pp | 28.86%-16.1pp |
| Employer contribution / active EE | $475 | $1,267-62.5% | $2,382-80.1% | $2,589-81.7% |
| Participant deferral / active EE | $3,425 | $3,110+10.1% | $3,986-14.1% | $4,291-20.2% |
| Admin fee / account holder | $229 | $1,922-88.1% | $6,853-96.7% | $1,588-85.6% |