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| Provider | Service type | Compensation |
|---|---|---|
WINDES, INC.1 year Filed as: WINDES Service code 10 · EIN 95-3001179 | Accounting | $11,300 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $1,163 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $108,348 | $60,788+78.2% | $85,705+26.4% | $79,389+36.5% |
| Participation rate | 45.5% | 62.1%-16.7pp | 69.9%-24.4pp | 70.7%-25.3pp |
| Annual return | 9.40% | 16.57%-7.2pp | 21.49%-12.1pp | 116.89%-107.5pp |
| Employer contribution / active EE | $1,766 | $1,664+6.1% | $2,619-32.6% | $2,428-27.3% |
| Participant deferral / active EE | $3,827 | $2,920+31.1% | $3,924-2.5% | $4,046-5.4% |
| Admin fee / account holder | $75 | $439-82.9% | $6,877-98.9% | $626-88.0% |