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| Provider | Service type | Compensation |
|---|---|---|
JULY BUSINESS SERVICES2 years Service code 15 · EIN 74-2715820 | Recordkeeping | $39,385 |
Filed as: TRANSAMERICA FIN LIFE INS COMPANY Service code 15 · EIN 36-6071399 | Recordkeeping | $39,012 |
AMERICAN FUNDS4+ years Filed as: CATALINA CAPITAL GROUP LLC Service code 27 · EIN 47-1400485 | Advisory (Plan) | $25,032 |
SUNWEST PENSIONS4+ years Service code 15 · EIN 86-0922116 | Recordkeeping | $2,931 |
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 | $63,114 | $65,960-4.3% | $81,882-22.9% | $77,762-18.8% |
| Participation rate | 51.0% | 65.8%-14.8pp | 72.4%-21.4pp | 70.6%-19.6pp |
| Annual return | 15.83% | 26.64%-10.8pp | 779.47%-763.6pp | 31.27%-15.4pp |
| Employer contribution / active EE | $1,153 | $2,375-51.4% | $2,916-60.4% | $2,728-57.7% |
| Participant deferral / active EE | $2,291 | $3,505-34.6% | $4,323-47.0% | $4,651-50.7% |
| Admin fee / account holder | $329 | $526-37.4% | $7,360-95.5% | $433-23.9% |