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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INS. CO. Service code 15 · EIN 39-0989781 | Recordkeeping | $7,794 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $59,224 | $45,825+29.2% | $90,655-34.7% | $56,287+5.2% |
| Participation rate | 6.2% | 66.7%-60.5pp | 74.0%-67.9pp | 69.9%-63.7pp |
| Annual return | -12.46% | 38.64%-51.1pp | 1.89%-14.3pp | -9.96%-2.5pp |
| Employer contribution / active EE | $0 | $1,372-100.0% | $2,532-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $493 | $2,562-80.8% | $3,425-85.6% | $3,350-85.3% |
| Admin fee / account holder | $600 | $413+45.3% | $4,994-88.0% | $521+15.1% |