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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA RETIREMENT SOLUTIONS C Service code 15 · EIN 13-3689044 | Recordkeeping | $20,559 |
HEARD MCELROY & VESTAL, LLC1+ years Filed as: HEARD, MCELROY, & VESTAL, LLC Service code 10 · EIN 72-0398470 | Accounting | $8,250 |
LPL FINANCIAL1+ years Filed as: LPL FINANCIAL CORPORATION Service code 27 · EIN 95-2834236 | Advisory (Plan) | $4,962 |
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.
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.
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 | $17,963 | $45,283-60.3% | $155,789-88.5% | $52,331-65.7% |
| Participation rate | 44.3% | 62.2%-17.9pp | 76.1%-31.8pp | 68.1%-23.8pp |
| Annual return | -3.34% | 1.80%-5.1pp | 71.54%-74.9pp | 4.54%-7.9pp |
| Employer contribution / active EE | $212 | $1,329-84.0% | $3,839-94.5% | $1,882-88.7% |
| Participant deferral / active EE | $1,823 | $2,854-36.1% | $4,798-62.0% | $3,022-39.7% |
| Admin fee / account holder | $375 | $981-61.8% | $7,477-95.0% | $592-36.6% |