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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $4,420 |
Filed as: PENSION FINANCIAL SERVICES, INC Service code 15 · EIN 58-1485803 | Recordkeeping | $998 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,019 | $54,573-78.0% | $90,965-86.8% | $73,493-83.6% |
| Participation rate | 26.8% | 61.2%-34.4pp | 69.0%-42.3pp | 70.7%-43.9pp |
| Annual return | 17.96% | 16.69%+1.3pp | 134.57%-116.6pp | 28.51%-10.6pp |
| Employer contribution / active EE | $0 | $991-100.0% | $2,122-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $946 | $2,517-62.4% | $3,373-71.9% | $3,740-74.7% |
| Admin fee / account holder | $51 | $521-90.3% | $5,960-99.2% | $513-90.1% |