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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $19,253 |
Service code 15 · EIN 42-1484983 | Recordkeeping | $16,539 |
WELLS FARGO BANK, N.A.1 year Filed as: WELLS FARGO ADVISORS LLC Service code 27 · EIN 34-1542819 | Advisory (Plan) | $10,051 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,438 | $55,437-18.0% | $155,534-70.8% | $74,459-39.0% |
| Participation rate | 36.8% | 61.9%-25.1pp | 78.2%-41.4pp | 67.2%-30.4pp |
| Annual return | 20.79% | 269.58%-248.8pp | 64.92%-44.1pp | 1369.70%-1348.9pp |
| Employer contribution / active EE | $333 | $2,266-85.3% | $4,675-92.9% | $2,626-87.3% |
| Participant deferral / active EE | $2,221 | $2,837-21.7% | $5,630-60.5% | $4,350-48.9% |
| Admin fee / account holder | $373 | $1,742-78.6% | $15,900-97.7% | $1,945-80.8% |