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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA RETIREMENT SOLUTIONS L Service code 15 · EIN 13-3689044 | Recordkeeping | $46,841 |
THE BANK OF NEW YORK MELLON6 years Filed as: BANK OF AMERICA NA Service code 27 · EIN 13-5674085 | Advisory (Plan) | $37,429 |
BIG SKY RETIREMENT INC4 years Filed as: BIG SKY RETIREMENT Service code 15 · EIN 82-4211528 | Recordkeeping | $300 |
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.)
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 | $103,958 | $88,087+18.0% | $164,866-36.9% | $74,546+39.5% |
| Participation rate | 67.9% | 73.1%-5.1pp | 78.6%-10.7pp | 67.2%+0.7pp |
| Annual return | 17.14% | 17.27%-0.1pp | 69.97%-52.8pp | 1366.03%-1348.9pp |
| Employer contribution / active EE | $1,675 | $2,595-35.5% | $4,343-61.4% | $2,624-36.2% |
| Participant deferral / active EE | $4,480 | $4,499-0.4% | $6,033-25.7% | $4,347+3.0% |
| Admin fee / account holder | $617 | $2,232-72.3% | $12,689-95.1% | $1,944-68.2% |