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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $49,885 |
Service code 15 · EIN 62-1874769 | Recordkeeping | $25,875 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $66,673 | $54,729+21.8% | $86,235-22.7% | $71,529-6.8% |
| Participation rate | 62.8% | 60.1%+2.7pp | 69.0%-6.2pp | 67.9%-5.2pp |
| Annual return | 7.35% | 20.07%-12.7pp | 1170.03%-1162.7pp | 28.97%-21.6pp |
| Employer contribution / active EE | $577 | $1,267-54.5% | $2,381-75.8% | $2,590-77.7% |
| Participant deferral / active EE | $4,849 | $3,110+55.9% | $3,987+21.6% | $4,291+13.0% |
| Admin fee / account holder | $637 | $1,921-66.9% | $6,856-90.7% | $1,588-59.9% |