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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $18,133 |
PENTEGRA SERVICES, INC.3 years Filed as: PENTEGRA RETIREMENT SERVICES-TPA Service code 15 · EIN 13-3745616 | Recordkeeping | $12,467 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $32,640 | $106,264-69.3% | $147,117-77.8% | $77,762-58.0% |
| Participation rate | 21.1% | 78.4%-57.3pp | 82.2%-61.1pp | 70.6%-49.5pp |
| Annual return | 16.44% | 56.94%-40.5pp | 420.54%-404.1pp | 31.27%-14.8pp |
| Employer contribution / active EE | $0 | $4,074-100.0% | $4,932-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $3,491 | $8,003-56.4% | $8,065-56.7% | $4,651-24.9% |
| Admin fee / account holder | $182 | $334-45.5% | $12,993-98.6% | $433-57.9% |