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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA RETIREMENT SOL, LLC Service code 15 · EIN 13-3689044 | Recordkeeping | $29,332 |
Service code 22 | Insurance Broker | $18,183 |
Service code 27 · EIN 26-4311657 | Advisory (Plan) | $2,517 |
Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 22 · EIN 51-0116113 | Insurance Broker | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $82,618 | $81,494+1.4% | $133,978-38.3% | $73,497+12.4% |
| Participation rate | 59.3% | 76.4%-17.1pp | 79.8%-20.6pp | 70.7%-11.4pp |
| Annual return | 15.45% | 19.40%-4.0pp | 45.10%-29.6pp | 28.51%-13.1pp |
| Employer contribution / active EE | $0 | $2,210-100.0% | $3,919-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,709 | $3,787-28.5% | $5,047-46.3% | $3,740-27.6% |
| Admin fee / account holder | $427 | $713-40.1% | $8,930-95.2% | $513-16.8% |