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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VARIABLE ANNUITY LIFE INSURANCE CO. Service code 19 · EIN 74-1625348 | Securities Custodian | $26,840 |
Service code 19 · EIN 51-0396365 | Securities Custodian | $12,729 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $189,600 | $47,105+302.5% | $68,368+177.3% | $67,986+178.9% |
| Participation rate | 49.0% | 51.8%-2.8pp | 73.8%-24.7pp | 57.2%-8.2pp |
| Annual return | 8.47% | 48.37%-39.9pp | 292.57%-284.1pp | 31.67%-23.2pp |
| Employer contribution / active EE | $3,665 | $1,859+97.2% | $2,649+38.4% | $2,019+81.6% |
| Participant deferral / active EE | $5,880 | $2,374+147.7% | $4,123+42.6% | $3,358+75.1% |
| Admin fee / account holder | $435 | $2,435-82.1% | $5,150-91.6% | $3,203-86.4% |