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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $8,338 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $2,496 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $88,569 | $65,027+36.2% | $90,970-2.6% | $79,852+10.9% |
| Participation rate | 46.8% | 61.6%-14.8pp | 69.0%-22.2pp | 69.6%-22.8pp |
| Annual return | 15.23% | 30.45%-15.2pp | 134.58%-119.4pp | 31.72%-16.5pp |
| Employer contribution / active EE | $841 | $1,247-32.6% | $2,122-60.4% | $2,471-66.0% |
| Participant deferral / active EE | $1,609 | $2,512-35.9% | $3,373-52.3% | $3,740-57.0% |
| Admin fee / account holder | $395 | $4,535-91.3% | $5,960-93.4% | $5,306-92.5% |