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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $24,472 |
Service code 15 · EIN 59-2438373 | Recordkeeping | $6,156 |
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).
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 | $25,297 | $66,319-61.9% | $93,621-73.0% | $65,186-61.2% |
| Participation rate | 91.0% | 74.0%+17.0pp | 75.8%+15.1pp | 70.2%+20.8pp |
| Annual return | 24.92% | 42.59%-17.7pp | 32.76%-7.8pp | 29.39%-4.5pp |
| Employer contribution / active EE | $629 | $2,013-68.8% | $2,719-76.9% | $2,177-71.1% |
| Participant deferral / active EE | $3,533 | $3,343+5.7% | $4,070-13.2% | $3,514+0.5% |
| Admin fee / account holder | $215 | $6,900-96.9% | $7,890-97.3% | $847-74.6% |