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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS Service code 15 · EIN 36-6071399 | Recordkeeping | $39,958 |
Service code 15 · EIN 42-1484983 | Recordkeeping | $21,163 |
LPL FINANCIAL1 year Filed as: LPL FINANCIAL CORPORATION Service code 27 · EIN 04-3046611 | Advisory (Plan) | $825 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $68,374 | $55,402+23.4% | $76,089-10.1% | $77,714-12.0% |
| Participation rate | 41.7% | 63.6%-21.9pp | 69.1%-27.4pp | 70.6%-28.9pp |
| Annual return | 10.38% | 17.09%-6.7pp | 360.94%-350.6pp | 31.26%-20.9pp |
| Employer contribution / active EE | $1,780 | $1,789-0.5% | $2,690-33.8% | $2,727-34.7% |
| Participant deferral / active EE | $2,223 | $3,450-35.6% | $4,259-47.8% | $4,649-52.2% |
| Admin fee / account holder | $500 | $410+21.8% | $6,418-92.2% | $433+15.3% |