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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VALIC RETIREMENT SERVICES CO Service code 19 · EIN 51-0396365 | Securities Custodian | $30,408 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,680 | $55,453-28.4% | $170,435-76.7% | $62,293-36.3% |
| Participation rate | 33.5% | 66.4%-32.9pp | 83.6%-50.1pp | 69.5%-36.0pp |
| Annual return | 11.50% | 21.38%-9.9pp | 205.94%-194.4pp | 28.90%-17.4pp |
| Employer contribution / active EE | $790 | $2,164-63.5% | $5,432-85.5% | $2,042-61.3% |
| Participant deferral / active EE | $1,240 | $2,303-46.1% | $4,939-74.9% | $3,169-60.9% |
| Admin fee / account holder | $282 | $455-38.1% | $13,881-98.0% | $479-41.3% |