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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $73,104 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $33,392 | $70,002-52.3% | $115,038-71.0% | $52,331-36.2% |
| Participation rate | 57.4% | 72.1%-14.7pp | 81.4%-24.0pp | 68.1%-10.7pp |
| Annual return | -2.86% | 4.04%-6.9pp | 26.14%-29.0pp | 4.54%-7.4pp |
| Employer contribution / active EE | $1,121 | $2,715-58.7% | $4,608-75.7% | $1,882-40.4% |
| Participant deferral / active EE | $2,638 | $4,920-46.4% | $6,026-56.2% | $3,022-12.7% |
| Admin fee / account holder | $442 | $566-21.9% | $8,175-94.6% | $592-25.3% |