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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VALIC RETIREMENT SERVICES CO Service code 19 · EIN 51-0396365 | Securities Custodian | $73,388 |
Filed as: VARIABLE ANNUITY LIFE INSURANCE CO Service code 19 · EIN 74-1625348 | Securities Custodian | $6,208 |
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.)
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 | $50,017 | $55,446-9.8% | $155,574-67.9% | $74,429-32.8% |
| Participation rate | 65.0% | 61.9%+3.1pp | 78.2%-13.2pp | 67.2%-2.2pp |
| Annual return | 14.34% | 269.20%-254.9pp | 64.87%-50.5pp | 1368.38%-1354.0pp |
| Employer contribution / active EE | $912 | $2,266-59.8% | $4,676-80.5% | $2,625-65.3% |
| Participant deferral / active EE | $2,969 | $2,836+4.7% | $5,629-47.3% | $4,348-31.7% |
| Admin fee / account holder | $340 | $1,743-80.5% | $15,914-97.9% | $1,944-82.5% |