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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $21,802 |
Service code 15 · EIN 45-4813650 | Recordkeeping | $17,032 |
TEMPLETON & COMPANY LLP4 years Service code 10 · EIN 14-1918990 | Accounting | $6,500 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $10,531 | $80,781-87.0% | $102,437-89.7% | $74,478-85.9% |
| Participation rate | 89.5% | 65.7%+23.8pp | 74.5%+15.0pp | 67.2%+22.3pp |
| Annual return | 11.84% | 27.58%-15.7pp | 24.95%-13.1pp | 1370.56%-1358.7pp |
| Employer contribution / active EE | $208 | $3,160-93.4% | $3,871-94.6% | $2,626-92.1% |
| Participant deferral / active EE | $2,525 | $3,862-34.6% | $5,060-50.1% | $4,350-41.9% |
| Admin fee / account holder | $92 | $2,372-96.1% | $8,388-98.9% | $1,946-95.3% |