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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS. CO Service code 15 · EIN 36-6071399 | Recordkeeping | $79,750 |
DYESS & ASSOCIATES6 years Service code 10 · EIN 72-1227981 | Accounting | $19,657 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,884 | $95,438-46.7% | $135,982-62.6% | $74,473-31.7% |
| Participation rate | 60.3% | 78.2%-17.9pp | 81.9%-21.6pp | 70.7%-10.4pp |
| Annual return | 15.54% | 32.61%-17.1pp | 68.32%-52.8pp | 34.36%-18.8pp |
| Employer contribution / active EE | $1,961 | $3,878-49.4% | $4,859-59.6% | $2,638-25.7% |
| Participant deferral / active EE | $5,016 | $7,790-35.6% | $7,760-35.4% | $4,530+10.7% |
| Admin fee / account holder | $301 | $259+16.4% | $10,767-97.2% | $347-13.2% |