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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $184,483 |
TRIDENT INSURANCE GROUP3 years Service code 17 · EIN 27-3793520 | Pension Consulting | $105,671 |
Filed as: PINNACLE FINANCIAL SERVIES, INC. Service code 15 · EIN 59-2438373 | Recordkeeping | $17,411 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,475 | $43,242-22.6% | $82,706-59.5% | $77,906-57.0% |
| Participation rate | 31.3% | 64.1%-32.8pp | 72.6%-41.3pp | 73.7%-42.4pp |
| Annual return | -15.81% | 2.40%-18.2pp | 701.76%-717.6pp | 12.16%-28.0pp |
| Employer contribution / active EE | $851 | $1,924-55.8% | $3,007-71.7% | $2,846-70.1% |
| Participant deferral / active EE | $2,141 | $3,069-30.3% | $4,394-51.3% | $4,805-55.5% |
| Admin fee / account holder | $453 | $102+342.1% | $5,329-91.5% | $133+241.8% |