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| Provider | Service type | Compensation |
|---|---|---|
SUNWEST PENSIONS1+ years Service code 14 · EIN 86-0922116 | Plan Administrator | $15,251 |
Filed as: TRANSAMERICA FIN LIFE INS COMPANY Service code 15 · EIN 36-6071399 | Recordkeeping | $9,203 |
AMERICAN FUNDS1+ years Filed as: CATALINA CAPITAL GROUP LLC Service code 27 · EIN 47-1400485 | Advisory (Plan) | $2,356 |
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 | $143,585 | $63,768+125.2% | $98,483+45.8% | $79,391+80.9% |
| Participation rate | 50.0% | 69.9%-19.9pp | 73.3%-23.3pp | 70.7%-20.7pp |
| Annual return | 44.07% | 626.18%-582.1pp | 1494.38%-1450.3pp | 116.88%-72.8pp |
| Employer contribution / active EE | $1,280 | $2,558-50.0% | $2,961-56.8% | $2,428-47.3% |
| Participant deferral / active EE | $1,895 | $3,305-42.7% | $4,276-55.7% | $4,046-53.2% |
| Admin fee / account holder | $435 | $516-15.7% | $5,953-92.7% | $627-30.6% |