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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE COMPANY O Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $64,224 |
Filed as: AMERIPRISE FINANCIAL SERVICES LLC Service code 55 70100 AMERIPRISE FINANCIAL CENTER · MINNEAPOLIS, MN 55474 | Other Commissions | $29,230 |
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.)
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 | $97,370 | $65,555+48.5% | $86,216+12.9% | $75,173+29.5% |
| Participation rate | 54.5% | 60.5%-5.9pp | 69.0%-14.4pp | 67.2%-12.7pp |
| Annual return | 11.94% | 46.07%-34.1pp | 1169.42%-1157.5pp | 160.72%-148.8pp |
| Employer contribution / active EE | $341 | $1,553-78.1% | $2,382-85.7% | $2,671-87.2% |
| Participant deferral / active EE | $3,620 | $3,023+19.7% | $3,986-9.2% | $4,126-12.3% |
| Admin fee / account holder | $546 | $5,469-90.0% | $6,853-92.0% | $5,651-90.3% |