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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $29,626 |
Filed as: EDWARD D JONES & COMPANY Service code 27 · EIN 43-0345811 | Advisory (Plan) | $27,449 |
ALLIANCE BENEFIT GROUP2 years Filed as: ALLIANCE BENEFIT GROUP OF HOUSTON Service code 15 · EIN 76-0500416 | Recordkeeping | $4,300 |
Filed as: MESIROW FINANCIAL, INC. Service code 27 · EIN 36-3194849 | Advisory (Plan) | $1,622 |
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).
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 | $52,993 | $59,402-10.8% | $93,654-43.4% | $74,546-28.9% |
| Participation rate | 84.8% | 59.7%+25.1pp | 68.7%+16.1pp | 67.2%+17.6pp |
| Annual return | 14.93% | 81.86%-66.9pp | 133.34%-118.4pp | 1366.03%-1351.1pp |
| Employer contribution / active EE | $3,431 | $1,265+171.3% | $2,421+41.7% | $2,624+30.8% |
| Participant deferral / active EE | $4,764 | $3,049+56.3% | $4,413+8.0% | $4,347+9.6% |
| Admin fee / account holder | $358 | $3,023-88.2% | $8,282-95.7% | $1,944-81.6% |