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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $55,636 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $36,901 | $45,109-18.2% | $85,240-56.7% | $77,762-52.5% |
| Participation rate | 35.5% | 48.7%-13.1pp | 67.5%-32.0pp | 70.6%-35.1pp |
| Annual return | -13.57% | 79.55%-93.1pp | 66.75%-80.3pp | 31.27%-44.8pp |
| Employer contribution / active EE | $975 | $1,602-39.2% | $2,735-64.4% | $2,728-64.3% |
| Participant deferral / active EE | $2,706 | $2,814-3.8% | $4,527-40.2% | $4,651-41.8% |
| Admin fee / account holder | $205 | $915-77.6% | $6,165-96.7% | $433-52.6% |