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| Provider | Service type | Compensation |
|---|---|---|
PENTEGRA SERVICES, INC.4+ years Filed as: PENTEGRA RETIREMENT SERVICES Service code 15 · EIN 13-3745616 | Recordkeeping | $12,771 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $7,092 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $49,317 | $42,396+16.3% | $67,313-26.7% | $56,287-12.4% |
| Participation rate | 26.7% | 61.0%-34.3pp | 69.1%-42.4pp | 69.9%-43.1pp |
| Annual return | -6.73% | -36.63%+29.9pp | -4.08%-2.7pp | -9.96%+3.2pp |
| Employer contribution / active EE | $1,332 | $1,414-5.8% | $2,566-48.1% | $2,111-36.9% |
| Participant deferral / active EE | $878 | $2,360-62.8% | $3,568-75.4% | $3,350-73.8% |
| Admin fee / account holder | $382 | $510-25.0% | $4,507-91.5% | $521-26.7% |