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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 | $66,004-4.4% | $81,820-22.9% | $77,714-18.8% |
| Participation rate | 51.0% | 65.8%-14.8pp | 72.4%-21.4pp | 70.6%-19.6pp |
| Annual return | 15.83% | 26.65%-10.8pp | 777.93%-762.1pp | 31.26%-15.4pp |
| Employer contribution / active EE | $1,153 | $2,375-51.4% | $2,915-60.4% | $2,727-57.7% |
| Participant deferral / active EE | $2,291 | $3,508-34.7% | $4,323-47.0% | $4,649-50.7% |
| Admin fee / account holder | $329 | $527-37.5% | $7,391-95.5% | $433-24.0% |