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| Provider | Service type | Compensation |
|---|---|---|
Filed as: VALIC Service code 37 · EIN 74-1625348 | Loan Processing | $6,253 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $13,638 | $56,054-75.7% | $171,082-92.0% | $62,881-78.3% |
| Participation rate | 5.1% | 62.9%-57.8pp | 76.7%-71.6pp | 69.3%-64.2pp |
| Annual return | -67.23% | 22.52%-89.7pp | 32.56%-99.8pp | 20.14%-87.4pp |
| Employer contribution / active EE | $0 | $1,731-100.0% | $4,002-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $7 | $3,158-99.8% | $4,797-99.9% | $3,203-99.8% |
| Admin fee / account holder | $445 | $3,647-87.8% | $8,520-94.8% | $4,296-89.6% |