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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TARNSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $5,233 |
Service code 15 · EIN 95-4568183 | Recordkeeping | $165 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $6,548 | $45,825-85.7% | $90,657-92.8% | $56,289-88.4% |
| Participation rate | 40.8% | 66.7%-25.9pp | 74.0%-33.2pp | 69.9%-29.1pp |
| Annual return | -13.35% | 38.64%-52.0pp | 1.89%-15.2pp | -9.96%-3.4pp |
| Employer contribution / active EE | $728 | $1,372-46.9% | $2,532-71.2% | $2,111-65.5% |
| Participant deferral / active EE | $1,483 | $2,562-42.1% | $3,424-56.7% | $3,350-55.7% |
| Admin fee / account holder | $50 | $413-87.9% | $4,994-99.0% | $521-90.4% |