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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $22,643 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $134,902 | $84,482+59.7% | $125,363+7.6% | $66,930+101.6% |
| Participation rate | 38.6% | 76.4%-37.8pp | 82.4%-43.7pp | 69.8%-31.2pp |
| Annual return | -14.93% | -8.49%-6.4pp | 572.15%-587.1pp | 1.57%-16.5pp |
| Employer contribution / active EE | $558 | $3,553-84.3% | $4,815-88.4% | $2,545-78.1% |
| Participant deferral / active EE | $5,585 | $6,782-17.6% | $7,447-25.0% | $4,238+31.8% |
| Admin fee / account holder | $338 | $685-50.7% | $10,005-96.6% | $593-43.1% |