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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $77,686 |
NPPG1 year Filed as: NPPG FIDUCIARY SERVICES Service code 14 · EIN 30-0835405 | Plan Administrator | $19,016 |
Service code 27 · EIN 26-4311657 | Advisory (Plan) | $6,339 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $51,985 | $84,784-38.7% | $98,450-47.2% | $74,440-30.2% |
| Participation rate | 69.6% | 81.5%-12.0pp | 75.2%-5.6pp | 70.7%-1.2pp |
| Annual return | 18.14% | 20.59%-2.5pp | 21.16%-3.0pp | 34.37%-16.2pp |
| Employer contribution / active EE | $597 | $3,364-82.2% | $3,049-80.4% | $2,638-77.4% |
| Participant deferral / active EE | $2,803 | $5,218-46.3% | $4,739-40.9% | $4,529-38.1% |
| Admin fee / account holder | $570 | $204+178.7% | $8,961-93.6% | $348+63.8% |