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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE CO Service code 15 · EIN 39-0989781 PO BOX 30368 · LOS ANGELES, CA 900300368 | Recordkeeping | $8,101 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $44,128 | $60,349-26.9% | $74,184-40.5% | $62,881-29.8% |
| Participation rate | 38.6% | 72.7%-34.1pp | 76.6%-38.0pp | 69.3%-30.7pp |
| Annual return | 9.11% | 21.38%-12.3pp | 17.74%-8.6pp | 20.14%-11.0pp |
| Employer contribution / active EE | $0 | $1,680-100.0% | $2,370-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,135 | $2,856-25.3% | $3,550-39.9% | $3,203-33.3% |
| Admin fee / account holder | $320 | $4,261-92.5% | $5,586-94.3% | $4,296-92.5% |