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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VARIABLE ANNUITY LIFE INSURANCE CO. Service code 19 · EIN 74-1625348 | Securities Custodian | $35,541 |
Service code 19 · EIN 51-0396365 | Securities Custodian | $3,335 |
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.)
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 | $137,491 | $60,393+127.7% | $81,820+68.0% | $74,429+84.7% |
| Participation rate | 50.7% | 62.9%-12.2pp | 72.4%-21.7pp | 67.2%-16.5pp |
| Annual return | 22.28% | 16.89%+5.4pp | 777.93%-755.7pp | 1368.38%-1346.1pp |
| Employer contribution / active EE | $2,463 | $2,626-6.2% | $2,915-15.5% | $2,625-6.2% |
| Participant deferral / active EE | $3,948 | $3,397+16.2% | $4,323-8.7% | $4,348-9.2% |
| Admin fee / account holder | $332 | $1,491-77.7% | $7,391-95.5% | $1,944-82.9% |