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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $56,883 |
Service code 13 · EIN 41-0417830 | Contract Administrator | $2,490 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $38,041 | $51,223-25.7% | $82,763-54.0% | $66,949-43.2% |
| Participation rate | 53.8% | 67.9%-14.1pp | 72.6%-18.8pp | 69.8%-16.0pp |
| Annual return | -48.50% | -9.85%-38.7pp | 702.45%-750.9pp | 1.57%-50.1pp |
| Employer contribution / active EE | $2,120 | $2,611-18.8% | $3,008-29.5% | $2,545-16.7% |
| Participant deferral / active EE | $7,247 | $3,460+109.4% | $4,395+64.9% | $4,239+71.0% |
| Admin fee / account holder | $516 | $415+24.3% | $5,325-90.3% | $594-13.0% |