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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $6,983 |
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.)
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,800 | $93,182-24.0% | $146,647-51.7% | $79,389-10.8% |
| Participation rate | 24.8% | 76.4%-51.6pp | 80.1%-55.3pp | 70.7%-45.9pp |
| Annual return | 21.91% | 21.61%+0.3pp | 22.75%-0.8pp | 116.89%-95.0pp |
| Employer contribution / active EE | $0 | $2,420-100.0% | $4,137-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $629 | $4,169-84.9% | $5,506-88.6% | $4,046-84.5% |
| Admin fee / account holder | $307 | $585-47.6% | $10,281-97.0% | $626-51.0% |