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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $21,034 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,627 | $37,440+5.8% | $77,081-48.6% | $66,930-40.8% |
| Participation rate | 49.1% | 52.9%-3.8pp | 67.9%-18.8pp | 69.8%-20.7pp |
| Annual return | -20.34% | -3.26%-17.1pp | 42.33%-62.7pp | 1.57%-21.9pp |
| Employer contribution / active EE | $719 | $1,534-53.1% | $2,813-74.4% | $2,545-71.7% |
| Participant deferral / active EE | $1,433 | $2,620-45.3% | $4,428-67.6% | $4,238-66.2% |
| Admin fee / account holder | $266 | $568-53.1% | $5,427-95.1% | $593-55.1% |