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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 13-3689044 | Recordkeeping | $47,816 |
Filed as: RAYMOND JAMES FINANCIAL SERVICES IN Service code 27 · EIN 59-1531281 | Advisory (Plan) | $28,389 |
ERISA SERVICES, INC.8 years Service code 15 · EIN 62-1200951 | Recordkeeping | $20,435 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,417 | $54,213-43.9% | $93,696-67.5% | $77,736-60.9% |
| Participation rate | 69.1% | 64.0%+5.2pp | 68.7%+0.4pp | 70.6%-1.4pp |
| Annual return | 11.71% | 30.55%-18.8pp | 133.74%-122.0pp | 31.26%-19.5pp |
| Employer contribution / active EE | $534 | $1,168-54.3% | $2,422-78.0% | $2,728-80.4% |
| Participant deferral / active EE | $2,897 | $3,145-7.9% | $4,417-34.4% | $4,651-37.7% |
| Admin fee / account holder | $317 | $575-44.9% | $8,287-96.2% | $433-26.9% |