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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 20-3886993 | Recordkeeping | $48,370 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $33,076 |
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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $20,971 | $78,275-73.2% | $109,188-80.8% | $86,821-75.8% |
| Participation rate | 54.2% | 73.8%-19.6pp | 75.9%-21.7pp | 72.3%-18.1pp |
| Annual return | 12.68% | 19.14%-6.5pp | 25.76%-13.1pp | 97.94%-85.3pp |
| Employer contribution / active EE | $2,273 | $3,105-26.8% | $3,723-38.9% | $2,406-5.5% |
| Participant deferral / active EE | $706 | $3,641-80.6% | $4,654-84.8% | $4,132-82.9% |
| Admin fee / account holder | $310 | $198+56.1% | $6,755-95.4% | $170+82.7% |