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| Provider | Service type | Compensation |
|---|---|---|
TRANSAMERICA RETIREMENT SOLUTIONS10+ years Service code 12 · EIN 13-3689044 | Sales loads (front end and deferred);... | $41,776 |
RBC WEALTH MANAGEMENT1 year Filed as: RBC CAPITAL MARKETS, LLC Service code 27 · EIN 20-0563684 | Advisory (Plan) | $6,000 |
NATIONAL FINANCIAL SERVICES10+ years Service code 33 · EIN 04-3523567 | Securities brokerage; Securities brok... | $0 |
Annual investment return 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 | $56,852 | $89,123-36.2% | $102,460-44.5% | $77,762-26.9% |
| Participation rate | 100.0% | 80.9%+19.1pp | 76.5%+23.5pp | 70.6%+29.4pp |
| Annual return | 11.15% | 25.05%-13.9pp | 29.47%-18.3pp | 31.27%-20.1pp |
| Employer contribution / active EE | $2,028 | $2,700-24.9% | $3,025-33.0% | $2,728-25.7% |
| Participant deferral / active EE | $4,199 | $5,148-18.4% | $5,056-17.0% | $4,651-9.7% |
| Admin fee / account holder | $157 | $236-33.6% | $9,460-98.3% | $433-63.8% |