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| Provider | Service type | Compensation |
|---|---|---|
RICHARD T DESIMONE & CO1 year Filed as: RICHARD T. DESIMONE & CO. Service code 10 · EIN 36-3926077 | Accounting | $11,700 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $2,360 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $54,463 | $42,546+28.0% | $71,796-24.1% | $55,167-1.3% |
| Participation rate | 53.5% | 59.1%-5.6pp | 69.1%-15.6pp | 69.0%-15.5pp |
| Annual return | 3.25% | 12.36%-9.1pp | 78.04%-74.8pp | 169.23%-166.0pp |
| Employer contribution / active EE | $631 | $803-21.5% | $1,924-67.2% | $1,963-67.9% |
| Participant deferral / active EE | $2,011 | $2,064-2.6% | $2,794-28.0% | $3,054-34.2% |
| Admin fee / account holder | $127 | $650-80.5% | $4,815-97.4% | $504-74.9% |