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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE CO. Service code 15 · EIN 39-0989781 | Recordkeeping | $124,742 |
Service code 15 · EIN 42-1484983 | Recordkeeping | $40,615 |
COULTER & JUSTUS1 year Filed as: COULTER & JUSTUS PC Service code 10 · EIN 62-1532536 | Accounting | $6,500 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $51,278 | $106,247-51.7% | $147,096-65.1% | $77,714-34.0% |
| Participation rate | 64.5% | 78.4%-13.9pp | 82.2%-17.7pp | 70.6%-6.1pp |
| Annual return | 16.36% | 56.87%-40.5pp | 419.75%-403.4pp | 31.26%-14.9pp |
| Employer contribution / active EE | $1,919 | $4,069-52.9% | $4,936-61.1% | $2,727-29.6% |
| Participant deferral / active EE | $7,163 | $7,996-10.4% | $8,071-11.3% | $4,649+54.1% |
| Admin fee / account holder | $399 | $338+17.9% | $13,005-96.9% | $433-8.0% |