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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VALIC RETIREMENT SERVICES CO. Service code 19 · EIN 51-0396365 | Securities Custodian | $80,125 |
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.)
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 | $63,113 | $89,904-29.8% | $453,569-86.1% | $86,821-27.3% |
| Participation rate | 69.1% | 75.7%-6.7pp | 78.0%-8.9pp | 72.3%-3.2pp |
| Annual return | 31.34% | 19.72%+11.6pp | 64.43%-33.1pp | 97.94%-66.6pp |
| Employer contribution / active EE | $816 | $3,279-75.1% | $4,072-80.0% | $2,406-66.1% |
| Participant deferral / active EE | $1,941 | $5,114-62.0% | $6,211-68.7% | $4,132-53.0% |
| Admin fee / account holder | $319 | $156+105.0% | $11,214-97.2% | $170+88.2% |