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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $90,636 |
Service code 15 · EIN 59-2438373 | Recordkeeping | $9,186 |
Filed as: MESIROW FINANCIAL, INC. Service code 27 · EIN 36-3194849 | Advisory (Plan) | $1,419 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $26,923 | $78,607-65.8% | $105,624-74.5% | $74,478-63.9% |
| Participation rate | 93.8% | 72.8%+20.9pp | 75.3%+18.5pp | 67.2%+26.5pp |
| Annual return | 12.53% | 15.96%-3.4pp | 116.20%-103.7pp | 1370.56%-1358.0pp |
| Employer contribution / active EE | $1,172 | $2,523-53.5% | $3,168-63.0% | $2,626-55.4% |
| Participant deferral / active EE | $3,338 | $4,325-22.8% | $5,013-33.4% | $4,350-23.3% |
| Admin fee / account holder | $348 | $2,220-84.3% | $10,961-96.8% | $1,946-82.1% |