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| Provider | Service type | Compensation |
|---|---|---|
VALIC RETIREMENT SERVICES COMPANY10+ years Service code 19 · EIN 51-0396365 | Securities Custodian | $47,869 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $62,887 | $42,909+46.6% | $152,093-58.7% | $71,012-11.4% |
| Participation rate | 45.2% | 54.7%-9.4pp | 77.8%-32.5pp | 58.6%-13.3pp |
| Annual return | 9.73% | 30.57%-20.8pp | 66.36%-56.6pp | 37.67%-27.9pp |
| Employer contribution / active EE | $995 | $1,369-27.3% | $4,175-76.2% | $2,348-57.6% |
| Participant deferral / active EE | $1,701 | $1,904-10.7% | $5,451-68.8% | $3,246-47.6% |
| Admin fee / account holder | $199 | $1,014-80.3% | $14,497-98.6% | $1,167-82.9% |