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| Provider | Service type | Compensation |
|---|---|---|
Filed as: KESTRA ADVISORY SERVICES LLC Service code 27 · EIN 35-2552359 | Advisory (Plan) | $51,671 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 36-6071399 | Recordkeeping | $49,489 |
NOVA 401(K) ASSOCIATES1 year Filed as: NOVA 401(K) ASSOCIATES LP Service code 15 · EIN 20-1181458 | Recordkeeping | $9,941 |
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 | $56,621 | $34,634+63.5% | $77,096-26.6% | $64,819-12.6% |
| Participation rate | 50.9% | 49.8%+1.1pp | 67.9%-17.0pp | 71.5%-20.5pp |
| Annual return | 122.47% | -5.31%+127.8pp | 42.35%+80.1pp | 32.84%+89.6pp |
| Employer contribution / active EE | $993 | $1,385-28.3% | $2,814-64.7% | $2,507-60.4% |
| Participant deferral / active EE | $2,281 | $2,553-10.7% | $4,429-48.5% | $4,311-47.1% |
| Admin fee / account holder | $422 | $178+137.0% | $5,428-92.2% | $188+124.9% |