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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $14,004 |
ASCENSUS LLC3 years Filed as: FUTUREPLAN BY ASCENSUS Service code 15 · EIN 82-3719843 | Recordkeeping | $6,553 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $22,890 | $27,632-17.2% | $61,399-62.7% | $68,495-66.6% |
| Participation rate | 31.7% | 39.5%-7.8pp | 52.6%-20.9pp | 67.9%-36.2pp |
| Annual return | -21.54% | -13.24%-8.3pp | 338.81%-360.3pp | -7.84%-13.7pp |
| Employer contribution / active EE | $780 | $696+12.0% | $1,159-32.8% | $2,596-70.0% |
| Participant deferral / active EE | $1,624 | $1,264+28.6% | $2,124-23.5% | $4,028-59.7% |
| Admin fee / account holder | $332 | $2,010-83.5% | $2,131-84.4% | $5,403-93.9% |