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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $16,283 |
LPL FINANCIAL1+ years Filed as: LPL FINANCIAL CORPORATION Service code 22 · EIN 95-2834236 | Insurance Broker | $0 |
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).
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 | $38,827 | $48,277-19.6% | $63,244-38.6% | $55,191-29.7% |
| Participation rate | 40.5% | 69.4%-28.9pp | 71.0%-30.5pp | 69.2%-28.6pp |
| Annual return | -2.62% | 2.37%-5.0pp | -70.31%+67.7pp | 10.78%-13.4pp |
| Employer contribution / active EE | $529 | $1,592-66.8% | $2,322-77.2% | $1,899-72.1% |
| Participant deferral / active EE | $1,499 | $2,432-38.4% | $2,953-49.2% | $3,046-50.8% |
| Admin fee / account holder | $126 | $86+46.7% | $5,893-97.9% | $91+38.9% |