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| Provider | Service type | Compensation |
|---|---|---|
THE RYDING COMPANY5 years Service code 15 · EIN 95-3497679 | Recordkeeping | $22,253 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $15,141 |
VERITY CPAS1 year Service code 10 · EIN 45-4462880 | Accounting | $9,047 |
CW ASSOCIATES3 years Service code 10 · EIN 26-1659234 | Accounting | $7,748 |
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 | $20,555 | $45,123-54.4% | $85,240-75.9% | $74,478-72.4% |
| Participation rate | 61.3% | 49.4%+12.0pp | 67.5%-6.2pp | 67.2%-5.9pp |
| Annual return | 15.11% | 26.32%-11.2pp | 66.75%-51.6pp | 1370.56%-1355.5pp |
| Employer contribution / active EE | $1,591 | $1,459+9.1% | $2,735-41.8% | $2,626-39.4% |
| Participant deferral / active EE | $2,790 | $2,736+2.0% | $4,527-38.4% | $4,350-35.9% |
| Admin fee / account holder | $349 | $2,215-84.2% | $6,165-94.3% | $1,946-82.1% |