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| Provider | Service type | Compensation |
|---|---|---|
KESTRA INVESTMENT SERVICES LLC2+ years Filed as: KESTRA ADVISORY SERVICES, LLC Service code 27 · EIN 35-2552359 | Advisory (Plan) | $25,037 |
Filed as: TRANSAMERICA FINANCIAL LIFE INS. CO Service code 15 · EIN 36-6071399 | Recordkeeping | $22,552 |
Service code 15 · EIN 45-4208939 | Recordkeeping | $958 |
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.)
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 | $46,451 | $101,591-54.3% | $147,096-68.4% | $74,429-37.6% |
| Participation rate | 65.9% | 75.5%-9.6pp | 82.2%-16.3pp | 67.2%-1.3pp |
| Annual return | 14.29% | 8746.45%-8732.2pp | 419.75%-405.5pp | 1368.38%-1354.1pp |
| Employer contribution / active EE | $3,137 | $3,813-17.7% | $4,936-36.4% | $2,625+19.5% |
| Participant deferral / active EE | $6,146 | $7,302-15.8% | $8,071-23.9% | $4,348+41.3% |
| Admin fee / account holder | $423 | $1,750-75.8% | $13,005-96.7% | $1,944-78.2% |