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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $579,533 |
Filed as: PINNACLE AN NPPG COMPANY Service code 15 · EIN 59-2438373 | Recordkeeping | $254,433 |
LPL FINANCIAL7 years Filed as: LPL FINANCIAL CORPORATION Service code 27 · EIN 04-3046611 | Advisory (Plan) | $127,323 |
Filed as: 3(16) FIDUCIARY SERVICES Service code 14 · EIN 45-4813650 | Plan Administrator | $93,705 |
METZ & ASSOCIATES PLLC1 year Filed as: METZ & ASSOCIATES Service code 10 · EIN 46-4558541 | Accounting | $17,750 |
Filed as: SOURDERS FINANCIAL ADVISORS RIA Service code 27 · EIN 82-4516448 | Advisory (Plan) | $3,302 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $30,892 | $41,039-24.7% | $85,240-63.8% | $99,313-68.9% |
| Participation rate | 20.3% | 34.4%-14.1pp | 67.5%-47.3pp | 71.7%-51.4pp |
| Annual return | -26.93% | 17.44%-44.4pp | 66.75%-93.7pp | 17.67%-44.6pp |
| Employer contribution / active EE | $415 | $1,106-62.5% | $2,735-84.8% | $3,264-87.3% |
| Participant deferral / active EE | $1,410 | $2,193-35.7% | $4,527-68.8% | $5,346-73.6% |
| Admin fee / account holder | $272 | $177+53.6% | $6,165-95.6% | $109+149.1% |