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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $55,230 |
Filed as: RAYMOND JAMES AND ASSOCIATES INC Service code 27 · EIN 59-1237041 | Advisory (Plan) | $22,513 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,357 | $58,347-44.5% | $85,693-62.2% | $86,813-62.7% |
| Participation rate | 61.9% | 64.9%-3.0pp | 69.9%-8.0pp | 72.3%-10.4pp |
| Annual return | 8.32% | 18.43%-10.1pp | 21.49%-13.2pp | 97.93%-89.6pp |
| Employer contribution / active EE | $1,569 | $1,751-10.4% | $2,618-40.1% | $2,406-34.8% |
| Participant deferral / active EE | $2,936 | $3,065-4.2% | $3,923-25.2% | $4,131-28.9% |
| Admin fee / account holder | $393 | $147+166.3% | $6,874-94.3% | $170+131.6% |