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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $9,407 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,986 | $66,319-39.7% | $93,614-57.3% | $65,185-38.7% |
| Participation rate | 16.5% | 74.0%-57.5pp | 75.8%-59.3pp | 70.2%-53.7pp |
| Annual return | 13.94% | 42.59%-28.6pp | 32.76%-18.8pp | 29.38%-15.4pp |
| Employer contribution / active EE | $0 | $2,013-100.0% | $2,718-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $985 | $3,343-70.5% | $4,069-75.8% | $3,514-72.0% |
| Admin fee / account holder | $362 | $6,900-94.8% | $7,889-95.4% | $847-57.3% |