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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE CO Service code 15 · EIN 39-0989781 | Recordkeeping | $4,249 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $41,546 | $99,957-58.4% | $149,715-72.2% | $73,493-43.5% |
| Participation rate | 22.1% | 75.7%-53.6pp | 82.5%-60.3pp | 70.7%-48.5pp |
| Annual return | 17.27% | 53.87%-36.6pp | 276.66%-259.4pp | 28.51%-11.2pp |
| Employer contribution / active EE | $0 | $3,191-100.0% | $4,645-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $1,322 | $6,073-78.2% | $6,842-80.7% | $3,740-64.7% |
| Admin fee / account holder | $133 | $551-75.8% | $9,310-98.6% | $513-74.0% |