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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL ADVISORS IN Service code 27 · EIN 04-2647786 | Advisory (Plan) | $26,899 |
Service code 37 · EIN 04-2647786 | Loan Processing | $1,250 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $43,294 | $42,582+1.7% | $171,082-74.7% | $57,658-24.9% |
| Participation rate | 26.0% | 63.9%-37.9pp | 76.7%-50.7pp | 70.2%-44.2pp |
| Annual return | 0.72% | 308.67%-308.0pp | 32.56%-31.8pp | 5.13%-4.4pp |
| Employer contribution / active EE | $0 | $1,306-100.0% | $4,002-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $1,031 | $2,933-64.9% | $4,797-78.5% | $3,061-66.3% |
| Admin fee / account holder | $316 | $82+284.1% | $8,520-96.3% | $95+234.6% |