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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE CO Service code 15 · EIN 39-0989781 | Recordkeeping | $11,063 |
BARNARD & ASSOCIATES1 year Filed as: BARNARD & ASSOCIATES RETIREMENT PL Service code 15 · EIN 45-5464993 | Recordkeeping | $4,000 |
Filed as: MESIROW FINANCIAL, INC. Service code 27 · EIN 36-3194849 | Advisory (Plan) | $381 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $19,462 | $42,548-54.3% | $74,549-73.9% | $56,287-65.4% |
| Participation rate | 64.5% | 60.5%+4.1pp | 69.1%-4.6pp | 69.9%-5.3pp |
| Annual return | -10.07% | 12.40%-22.5pp | 32.53%-42.6pp | -9.96%-0.1pp |
| Employer contribution / active EE | $787 | $855-8.0% | $1,961-59.9% | $2,111-62.7% |
| Participant deferral / active EE | $2,650 | $2,277+16.4% | $3,108-14.7% | $3,350-20.9% |
| Admin fee / account holder | $150 | $467-67.9% | $5,059-97.0% | $521-71.2% |