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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES AND ASSOCIATES INC Service code 27 · EIN 59-1237041 | Advisory (Plan) | $15,431 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $14,589 |
LOREN D. STARK COMPANY4 years Service code 15 · EIN 74-1537058 10750 ROCKLEY ROAD · HOUSTON, TX 77099 | Recordkeeping | $1,320 |
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).
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 | $22,778 | $37,463-39.2% | $77,096-70.5% | $66,938-66.0% |
| Participation rate | 42.7% | 52.9%-10.2pp | 67.9%-25.2pp | 69.8%-27.1pp |
| Annual return | -20.55% | -3.25%-17.3pp | 42.35%-62.9pp | 1.58%-22.1pp |
| Employer contribution / active EE | $1,109 | $1,535-27.7% | $2,814-60.6% | $2,545-56.4% |
| Participant deferral / active EE | $1,813 | $2,621-30.8% | $4,429-59.1% | $4,238-57.2% |
| Admin fee / account holder | $335 | $568-41.0% | $5,428-93.8% | $594-43.5% |