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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 71-0294708 | Advisory (Participants) | $193,099 |
Filed as: AIG OWNED ROYAL ALLIANCE Service code 55 10 EXCHANGE PL STE 1410 · JERSEY CITY, NJ 07302 | Other Commissions | $122,517 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 | $51,164 | $48,166+6.2% | $96,575-47.0% | $93,010-45.0% |
| Participation rate | 36.7% | 65.1%-28.4pp | 69.8%-33.1pp | 73.9%-37.2pp |
| Annual return | 14.40% | 21.31%-6.9pp | 37.79%-23.4pp | 158.70%-144.3pp |
| Employer contribution / active EE | $79 | $1,070-92.6% | $2,357-96.6% | $2,705-97.1% |
| Participant deferral / active EE | $2,667 | $2,576+3.5% | $3,849-30.7% | $4,561-41.5% |
| Admin fee / account holder | $176 | $110+59.4% | $6,182-97.2% | $152+15.9% |