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| Provider | Service type | Compensation |
|---|---|---|
USI CONSULTING GROUP1 year Service code 12 · EIN 06-1053228 | Participant loan processing; Trustee ... | $9,295 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $2,583 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,032 | $36,916-81.0% | $156,551-95.5% | $57,658-87.8% |
| Participation rate | 43.4% | 63.4%-20.0pp | 84.0%-40.6pp | 70.2%-26.8pp |
| Annual return | 14.39% | 12.38%+2.0pp | 32.23%-17.8pp | 5.13%+9.3pp |
| Employer contribution / active EE | $0 | $1,571-100.0% | $5,501-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $1,114 | $1,926-42.1% | $4,871-77.1% | $3,061-63.6% |
| Admin fee / account holder | $36 | $82-56.6% | $13,028-99.7% | $95-62.2% |