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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 | $45,900+313.1% | $94,057+101.6% | $64,340+194.7% |
| Participation rate | 49.0% | 50.6%-1.6pp | 73.3%-24.3pp | 55.2%-6.2pp |
| Annual return | 8.47% | 50.47%-42.0pp | 480.62%-472.2pp | 24.14%-15.7pp |
| Employer contribution / active EE | $3,665 | $1,612+127.4% | $2,933+25.0% | $1,862+96.9% |
| Participant deferral / active EE | $5,880 | $2,102+179.7% | $4,709+24.9% | $2,980+97.3% |
| Admin fee / account holder | $435 | $3,143-86.2% | $7,244-94.0% | $3,703-88.3% |