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| Provider | Service type | Compensation |
|---|---|---|
TRANSAMERICA RETIREMENT SOLUTIONS10+ years Filed as: TRANSAMERICA LIFE INSURANCE CO. Service code 15 · EIN 39-0989781 | Recordkeeping | $118,149 |
Service code 15 · EIN 42-1484983 | Recordkeeping | $38,609 |
COULTER & JUSTUS2 years Filed as: COULTER & JUSTUS PC Service code 10 · EIN 62-1532536 | Accounting | $7,000 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $52,710 | $100,923-47.8% | $150,045-64.9% | $74,304-29.1% |
| Participation rate | 42.7% | 70.1%-27.3pp | 82.3%-39.6pp | 60.3%-17.6pp |
| Annual return | 13.35% | 51.77%-38.4pp | 62.55%-49.2pp | 29.43%-16.1pp |
| Employer contribution / active EE | $132 | $3,463-96.2% | $4,693-97.2% | $2,241-94.1% |
| Participant deferral / active EE | $3,599 | $6,709-46.4% | $7,997-55.0% | $3,767-4.5% |
| Admin fee / account holder | $546 | $2,767-80.3% | $13,435-95.9% | $2,969-81.6% |