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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE Service code 15 · EIN 36-6071399 8488 SHEPHERD FARM DRIVE · WEST CHESTER, OH 45069 | Recordkeeping | $3,389 |
Service code 15 · EIN 13-4266176 PO BOX 609 · KRESGEVILLE, PA 18333 | Recordkeeping | $1,020 |
MORGAN STANLEY SMITH BARNEY2+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 22 · EIN 51-0116113 34 EXCHANGE PLACE FL 7, HARBOR · JERSEY CITY, NJ 07311 | Insurance Broker | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $36,594 | $52,884-30.8% | $84,753-56.8% | $55,167-33.7% |
| Participation rate | 45.1% | 67.5%-22.4pp | 76.6%-31.5pp | 69.0%-23.9pp |
| Annual return | 7.29% | 18.03%-10.7pp | 22.78%-15.5pp | 169.23%-161.9pp |
| Employer contribution / active EE | $1,725 | $2,233-22.8% | $3,574-51.7% | $1,963-12.1% |
| Participant deferral / active EE | $2,050 | $2,644-22.5% | $3,712-44.8% | $3,054-32.9% |
| Admin fee / account holder | $45 | $581-92.3% | $5,333-99.2% | $504-91.2% |