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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $18,580 |
WELLS FARGO BANK, N.A.2 years Filed as: WELLS FARGO ADVISORS Service code 27 · EIN 34-1542819 | Advisory (Plan) | $16,290 |
ERISA SERVICES, INC.4 years Service code 15 · EIN 62-1200951 | Recordkeeping | $2,958 |
Filed as: MESIROW FINANCIAL, INC. Service code 27 · EIN 36-3194849 | Advisory (Plan) | $1,104 |
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.)
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,869 | $89,093-47.4% | $102,434-54.2% | $77,736-39.7% |
| Participation rate | 41.5% | 80.9%-39.4pp | 76.5%-35.0pp | 70.6%-29.1pp |
| Annual return | 11.83% | 25.03%-13.2pp | 29.46%-17.6pp | 31.26%-19.4pp |
| Employer contribution / active EE | $1,287 | $2,699-52.3% | $3,023-57.4% | $2,728-52.8% |
| Participant deferral / active EE | $2,395 | $5,147-53.5% | $5,055-52.6% | $4,651-48.5% |
| Admin fee / account holder | $314 | $236+33.0% | $9,462-96.7% | $433-27.6% |