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| Provider | Service type | Compensation |
|---|---|---|
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $16,407 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $14,989 |
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $10,638 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $46,261 | $59,105-21.7% | $159,991-71.1% | $66,930-30.9% |
| Participation rate | 79.8% | 68.1%+11.7pp | 78.0%+1.8pp | 69.8%+10.0pp |
| Annual return | -13.66% | -12.26%-1.4pp | 408.82%-422.5pp | 1.57%-15.2pp |
| Employer contribution / active EE | $1,790 | $1,983-9.7% | $4,225-57.6% | $2,545-29.7% |
| Participant deferral / active EE | $3,667 | $4,395-16.6% | $6,183-40.7% | $4,238-13.5% |
| Admin fee / account holder | $429 | $591-27.4% | $8,715-95.1% | $593-27.7% |