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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $15,466 |
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $9,518 |
DWC - THE 401(K) EXPERTS2 years Filed as: DWC THE 401(K) EXPERTS Service code 15 · EIN 26-2091417 | Recordkeeping | $5,170 |
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).
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 | $15,138 | $40,386-62.5% | $80,607-81.2% | $74,440-79.7% |
| Participation rate | 21.0% | 47.4%-26.3pp | 67.0%-46.0pp | 70.7%-49.7pp |
| Annual return | 25.55% | 165.00%-139.4pp | 936.11%-910.6pp | 34.37%-8.8pp |
| Employer contribution / active EE | $681 | $1,496-54.5% | $2,724-75.0% | $2,638-74.2% |
| Participant deferral / active EE | $1,084 | $2,670-59.4% | $4,448-75.6% | $4,529-76.1% |
| Admin fee / account holder | $204 | $720-71.7% | $5,379-96.2% | $348-41.3% |