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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $6,398 |
DWC - THE 401(K) EXPERTS1 year Filed as: DWC THE 401(K) EXPERTS Service code 15 · EIN 26-2091417 | Recordkeeping | $5,987 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $10,008 | $34,634-71.1% | $77,096-87.0% | $64,819-84.6% |
| Participation rate | 19.1% | 49.8%-30.7pp | 67.9%-48.8pp | 71.5%-52.4pp |
| Annual return | 11.92% | -5.31%+17.2pp | 42.35%-30.4pp | 32.84%-20.9pp |
| Employer contribution / active EE | $759 | $1,385-45.2% | $2,814-73.0% | $2,507-69.7% |
| Participant deferral / active EE | $1,076 | $2,553-57.9% | $4,429-75.7% | $4,311-75.1% |
| Admin fee / account holder | $165 | $178-7.3% | $5,428-97.0% | $188-12.0% |