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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE CO Service code 15 · EIN 39-0989781 | Recordkeeping | $10,241 |
Service code 35 · EIN 31-1162504 | Employee (plan sponsor) | $9,657 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $25,668 | $48,078-46.6% | $78,676-67.4% | $62,881-59.2% |
| Participation rate | 53.1% | 65.2%-12.1pp | 73.6%-20.5pp | 69.3%-16.2pp |
| Annual return | 6.78% | 31.36%-24.6pp | 62.19%-55.4pp | 20.14%-13.4pp |
| Employer contribution / active EE | $425 | $2,015-78.9% | $2,850-85.1% | $2,281-81.4% |
| Participant deferral / active EE | $1,327 | $2,587-48.7% | $3,517-62.3% | $3,203-58.6% |
| Admin fee / account holder | $199 | $3,206-93.8% | $4,510-95.6% | $4,296-95.4% |