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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $51,477 |
Service code 10 · EIN 58-1137570 | Accounting | $16,250 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,572 | $34,634+14.3% | $77,096-48.7% | $64,819-38.9% |
| Participation rate | 34.5% | 49.8%-15.3pp | 67.9%-33.4pp | 71.5%-37.0pp |
| Annual return | -25.51% | -5.31%-20.2pp | 42.35%-67.9pp | 32.84%-58.4pp |
| Employer contribution / active EE | $498 | $1,385-64.0% | $2,814-82.3% | $2,507-80.1% |
| Participant deferral / active EE | $2,076 | $2,553-18.7% | $4,429-53.1% | $4,311-51.8% |
| Admin fee / account holder | $480 | $178+169.4% | $5,428-91.2% | $188+155.7% |