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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $73,075 |
DYESS & ASSOCIATES1 year Service code 10 · EIN 72-1227981 | Accounting | $6,800 |
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 | $41,549 | $75,388-44.9% | $123,553-66.4% | $55,725-25.4% |
| Participation rate | 45.2% | 75.7%-30.4pp | 82.3%-37.1pp | 70.9%-25.6pp |
| Annual return | -8.50% | 4.48%-13.0pp | 119.21%-127.7pp | 244.93%-253.4pp |
| Employer contribution / active EE | $1,190 | $3,063-61.2% | $4,628-74.3% | $2,078-42.8% |
| Participant deferral / active EE | $2,822 | $5,651-50.1% | $6,426-56.1% | $3,356-15.9% |
| Admin fee / account holder | $480 | $120+301.1% | $9,284-94.8% | $115+317.1% |