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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VALIC RETIREMENT SERVICES CO Service code 19 · EIN 51-0396365 | Securities Custodian | $35,653 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $43,264 | $37,196+16.3% | $154,111-71.9% | $55,725-22.4% |
| Participation rate | 33.6% | 64.1%-30.5pp | 83.0%-49.4pp | 70.9%-37.3pp |
| Annual return | 8.11% | 1319.68%-1311.6pp | 735.18%-727.1pp | 244.93%-236.8pp |
| Employer contribution / active EE | $830 | $1,614-48.6% | $5,298-84.3% | $2,078-60.1% |
| Participant deferral / active EE | $1,233 | $2,068-40.4% | $5,081-75.7% | $3,356-63.2% |
| Admin fee / account holder | $352 | $102+246.9% | $13,411-97.4% | $115+206.0% |