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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $31,210 |
NFP RETIREMENT INC1 year Service code 27 · EIN 33-0905143 | Advisory (Plan) | $8,705 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $79,097 | $81,719-3.2% | $101,275-21.9% | $90,274-12.4% |
| Participation rate | 3.3% | 80.7%-77.4pp | 75.8%-72.5pp | 73.4%-70.0pp |
| Annual return | 9.73% | 337.64%-327.9pp | 46.48%-36.7pp | 53.97%-44.2pp |
| Employer contribution / active EE | $0 | $3,622-100.0% | $3,660-100.0% | $2,523-100.0% |
| Participant deferral / active EE | $234 | $3,310-92.9% | $4,371-94.6% | $4,231-94.5% |
| Admin fee / account holder | $727 | $162+348.8% | $5,948-87.8% | $114+537.0% |