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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $32,852 |
NFP RETIREMENT INC1 year Service code 27 · EIN 33-0905143 | Advisory (Plan) | $27,219 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $83,504 | $93,131-10.3% | $106,555-21.6% | $86,821-3.8% |
| Participation rate | 41.2% | 81.4%-40.2pp | 76.1%-34.9pp | 72.3%-31.1pp |
| Annual return | 17.54% | 19.45%-1.9pp | 26.80%-9.3pp | 97.94%-80.4pp |
| Employer contribution / active EE | $1,875 | $2,895-35.2% | $2,819-33.5% | $2,406-22.1% |
| Participant deferral / active EE | $2,389 | $4,708-49.3% | $4,399-45.7% | $4,132-42.2% |
| Admin fee / account holder | $411 | $145+183.6% | $7,408-94.4% | $170+142.6% |