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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $16,870 |
PENSYS, INC.1 year Filed as: PENSYS INC Service code 15 · EIN 68-0348235 2440 PROFESSIONAL DRIVE SUITE 316 · ROSEVILLE, CA 95661 | Recordkeeping | $1,098 |
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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $63,450 | $60,396+5.1% | $83,831-24.3% | $75,289-15.7% |
| Participation rate | 2.3% | 80.7%-78.4pp | 76.1%-73.8pp | 72.4%-70.1pp |
| Annual return | 11.69% | 3.84%+7.8pp | 850.99%-839.3pp | -0.04%+11.7pp |
| Employer contribution / active EE | $0 | $3,343-100.0% | $3,631-100.0% | $2,405-100.0% |
| Participant deferral / active EE | $177 | $2,922-93.9% | $4,082-95.7% | $3,739-95.3% |
| Admin fee / account holder | $420 | $141+197.7% | $5,479-92.3% | $102+311.0% |