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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $49,527 |
Filed as: MESIROW FINANCIAL, INC. Service code 27 · EIN 36-3194849 | Advisory (Plan) | $1,713 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $63,968 | $42,367+51.0% | $79,580-19.6% | $64,819-1.3% |
| Participation rate | 36.8% | 64.7%-27.9pp | 69.5%-32.7pp | 71.5%-34.7pp |
| Annual return | -15.75% | -12.23%-3.5pp | 0.15%-15.9pp | 32.84%-48.6pp |
| Employer contribution / active EE | $0 | $1,181-100.0% | $2,413-100.0% | $2,507-100.0% |
| Participant deferral / active EE | $1,544 | $3,170-51.3% | $3,985-61.3% | $4,311-64.2% |
| Admin fee / account holder | $401 | $160+151.5% | $6,835-94.1% | $188+113.6% |