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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 | $37,169 |
Filed as: MORGAN STANLEY Service code 27 1585 BROADWAY · NEW YORK, NY 10036 | Advisory (Plan) | $9,585 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,376 | $88,203-76.9% | $165,100-87.7% | $74,478-72.6% |
| Participation rate | 34.3% | 73.1%-38.8pp | 78.6%-44.3pp | 67.2%-32.9pp |
| Annual return | 13.38% | 17.13%-3.8pp | 70.21%-56.8pp | 1370.56%-1357.2pp |
| Employer contribution / active EE | $1,136 | $2,601-56.3% | $4,348-73.9% | $2,626-56.7% |
| Participant deferral / active EE | $1,877 | $4,505-58.3% | $6,035-68.9% | $4,350-56.8% |
| Admin fee / account holder | $334 | $2,235-85.1% | $12,696-97.4% | $1,946-82.8% |