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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MICHAEL SILVER AND COMPANY Service code 10 · EIN 81-4417884 | Accounting | $13,120 |
Filed as: TRANSAMERICA LIFE INSURANCE CO Service code 15 · EIN 39-0989781 | Recordkeeping | $11,356 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $44,239 | $49,138-10.0% | $84,023-47.3% | $65,186-32.1% |
| Participation rate | 45.6% | 60.7%-15.1pp | 69.0%-23.4pp | 70.2%-24.6pp |
| Annual return | 16.02% | 23.00%-7.0pp | 71.32%-55.3pp | 29.39%-13.4pp |
| Employer contribution / active EE | $0 | $914-100.0% | $1,984-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,537 | $2,397-35.9% | $3,239-52.6% | $3,514-56.3% |
| Admin fee / account holder | $278 | $543-48.8% | $6,102-95.4% | $847-67.2% |