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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $4,069 |
USI CONSULTING GROUP1 year Service code 12 · EIN 06-1053228 | Claims processing; Valuation (apprais... | $2,681 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $29,860 | $51,244-41.7% | $80,977-63.1% | $55,167-45.9% |
| Participation rate | 58.7% | 71.7%-13.0pp | 75.8%-17.1pp | 69.0%-10.3pp |
| Annual return | 7.82% | 17.39%-9.6pp | 17.11%-9.3pp | 169.23%-161.4pp |
| Employer contribution / active EE | $1,140 | $1,770-35.6% | $3,715-69.3% | $1,963-41.9% |
| Participant deferral / active EE | $1,850 | $4,418-58.1% | $5,696-67.5% | $3,054-39.4% |
| Admin fee / account holder | $68 | $398-83.0% | $5,517-98.8% | $504-86.5% |