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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO. Service code 15 · EIN 36-6071399 | Recordkeeping | $12,136 |
Service code 15 · EIN 46-2023154 | Recordkeeping | $3,500 |
MORGAN STANLEY SMITH BARNEY2+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 22 · EIN 26-4310632 | Insurance Broker | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $9,036 | $37,044-75.6% | $71,796-87.4% | $57,658-84.3% |
| Participation rate | 43.8% | 61.1%-17.3pp | 69.1%-25.3pp | 70.2%-26.4pp |
| Annual return | 20.23% | 12.64%+7.6pp | 78.04%-57.8pp | 5.13%+15.1pp |
| Employer contribution / active EE | $1,030 | $720+43.0% | $1,924-46.5% | $1,974-47.8% |
| Participant deferral / active EE | $1,580 | $1,974-20.0% | $2,794-43.5% | $3,061-48.4% |
| Admin fee / account holder | $65 | $101-35.2% | $4,815-98.6% | $95-30.8% |