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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE Service code 15 · EIN 36-6071399 | Recordkeeping | $19,429 |
Filed as: RAYMOND JAMES AND ASSOCIATES INC Service code 27 · EIN 59-1237041 | Advisory (Plan) | $12,883 |
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.
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 | $56,613 | $82,979-31.8% | $102,383-44.7% | $77,714-27.2% |
| Participation rate | 35.5% | 71.5%-36.0pp | 74.5%-39.0pp | 70.6%-35.0pp |
| Annual return | 13.93% | 19.11%-5.2pp | 24.94%-11.0pp | 31.26%-17.3pp |
| Employer contribution / active EE | $1,143 | $3,554-67.8% | $3,870-70.5% | $2,727-58.1% |
| Participant deferral / active EE | $1,735 | $4,109-57.8% | $5,060-65.7% | $4,649-62.7% |
| Admin fee / account holder | $382 | $639-40.1% | $8,391-95.4% | $433-11.8% |