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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $48,012 |
LPL FINANCIAL3 years Filed as: LPL FINANCIAL CORPORATION Service code 22 · EIN 95-2834236 | Insurance Broker | $0 |
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 | $35,220 | $34,634+1.7% | $77,096-54.3% | $64,819-45.7% |
| Participation rate | 41.4% | 49.8%-8.5pp | 67.9%-26.6pp | 71.5%-30.1pp |
| Annual return | -27.37% | -5.31%-22.1pp | 42.35%-69.7pp | 32.84%-60.2pp |
| Employer contribution / active EE | $1,047 | $1,385-24.4% | $2,814-62.8% | $2,507-58.2% |
| Participant deferral / active EE | $2,936 | $2,553+15.0% | $4,429-33.7% | $4,311-31.9% |
| Admin fee / account holder | $230 | $178+28.8% | $5,428-95.8% | $188+22.3% |