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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $16,182 |
DIVERGENT WEALTH ADVISORS2 years Filed as: DIVERGENT WEALTH ADVISORS, LLC Service code 27 · EIN 82-1092105 | Advisory (Plan) | $7,671 |
Service code 15 · EIN 20-3886993 | Recordkeeping | $5,260 |
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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,664 | $84,482-75.5% | $125,363-83.5% | $66,930-69.1% |
| Participation rate | 34.3% | 76.4%-42.1pp | 82.4%-48.0pp | 69.8%-35.5pp |
| Annual return | -14.82% | -8.49%-6.3pp | 572.15%-587.0pp | 1.57%-16.4pp |
| Employer contribution / active EE | $975 | $3,553-72.5% | $4,815-79.7% | $2,545-61.7% |
| Participant deferral / active EE | $2,098 | $6,782-69.1% | $7,447-71.8% | $4,238-50.5% |
| Admin fee / account holder | $398 | $685-41.9% | $10,005-96.0% | $593-32.9% |