Filed August 26, 2025 (most recent of 4 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 71-0294708 | Recordkeeping | $128,287 |
VBA BENEFITS CORPORATION9+ years Service code 99 · EIN 54-1741662 | Other Fees | $84,220 |
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 | $121,057 | $100,272+20.7% | $170,028-28.8% | $74,440+62.6% |
| Participation rate | 95.7% | 87.4%+8.3pp | 87.0%+8.7pp | 70.7%+25.0pp |
| Annual return | 14.79% | 66.12%-51.3pp | 53.39%-38.6pp | 34.37%-19.6pp |
| Employer contribution / active EE | $4,023 | $4,266-5.7% | $6,788-40.7% | $2,638+52.5% |
| Participant deferral / active EE | $6,861 | $7,147-4.0% | $10,409-34.1% | $4,529+51.5% |
| Admin fee / account holder | $704 | $235+200.1% | $12,820-94.5% | $348+102.3% |