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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VALIC RETIREMENT SERVICES CO Service code 19 · EIN 51-0396365 | Securities Custodian | $36,356 |
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.)
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).
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 | $39,913 | $52,293-23.7% | $178,498-77.6% | $73,412-45.6% |
| Participation rate | 37.8% | 65.3%-27.5pp | 81.9%-44.1pp | 72.2%-34.3pp |
| Annual return | 2.90% | 34.75%-31.8pp | 151.09%-148.2pp | 59.30%-56.4pp |
| Employer contribution / active EE | $863 | $1,735-50.3% | $5,011-82.8% | $2,234-61.4% |
| Participant deferral / active EE | $1,453 | $2,332-37.7% | $5,202-72.1% | $3,806-61.8% |
| Admin fee / account holder | $340 | $127+167.1% | $13,985-97.6% | $158+115.5% |