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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA RET SOLUTIONS, LLC Service code 15 · EIN 13-3689044 | Recordkeeping | $42,360 |
Filed as: MORGAN STANLEY GLOBAL BANKING OPERA Service code 27 · EIN 10-7068066 | Advisory (Plan) | $9,456 |
CETERA ADVISOR NETWORKS LLC4+ years Filed as: CETERA RETIREMENT PLAN SPECIALISTS Service code 15 · EIN 94-2279761 | Recordkeeping | $8,662 |
FRSCPA, PLLC2 years Filed as: FRSCPA PLLC Service code 10 · EIN 59-2482214 | Accounting | $1,500 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $9,372 | $39,243-76.1% | $80,784-88.4% | $79,389-88.2% |
| Participation rate | 77.5% | 41.0%+36.5pp | 54.2%+23.3pp | 70.7%+6.8pp |
| Annual return | 8.96% | 98.95%-90.0pp | 87.31%-78.3pp | 116.89%-107.9pp |
| Employer contribution / active EE | $0 | $593-100.0% | $1,160-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $725 | $1,262-42.6% | $2,145-66.2% | $4,046-82.1% |
| Admin fee / account holder | $164 | $647-74.6% | $3,380-95.1% | $626-73.8% |