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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $61,317 |
Service code 10 · EIN 58-1137570 | Accounting | $35,750 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $53,715 | $40,435+32.8% | $80,627-33.4% | $74,460-27.9% |
| Participation rate | 28.2% | 47.4%-19.2pp | 67.0%-38.8pp | 70.7%-42.5pp |
| Annual return | 38.33% | 165.19%-126.9pp | 936.76%-898.4pp | 34.38%+4.0pp |
| Employer contribution / active EE | $471 | $1,498-68.5% | $2,723-82.7% | $2,638-82.1% |
| Participant deferral / active EE | $1,521 | $2,673-43.1% | $4,443-65.8% | $4,530-66.4% |
| Admin fee / account holder | $630 | $721-12.5% | $5,381-88.3% | $348+81.2% |