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| Provider | Service type | Compensation |
|---|---|---|
UHY LLP3+ years Service code 10 · EIN 20-0694403 | Accounting | $47,010 |
Filed as: TRANSAMERICA RETIREMENT SOLUTIONS, Service code 15 · EIN 13-3689044 | Recordkeeping | $43,555 |
M HOLDING SECURITIES, INC.3+ years Service code 16 · EIN 91-1802259 | Consulting | $22,148 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $0 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $34,726 | $34,634+0.3% | $77,081-54.9% | $64,814-46.4% |
| Participation rate | 47.4% | 49.8%-2.4pp | 67.9%-20.5pp | 71.5%-24.0pp |
| Annual return | -15.27% | -5.31%-10.0pp | 42.33%-57.6pp | 32.84%-48.1pp |
| Employer contribution / active EE | $675 | $1,385-51.3% | $2,813-76.0% | $2,507-73.1% |
| Participant deferral / active EE | $2,237 | $2,553-12.4% | $4,428-49.5% | $4,310-48.1% |
| Admin fee / account holder | $323 | $178+81.2% | $5,427-94.0% | $188+72.1% |