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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSUR Service code 15 · EIN 36-6071399 | Recordkeeping | $2,988 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $2,380 |
DWC - THE 401(K) EXPERTS1 year Filed as: DWC THE 401(K) EXPERTS Service code 15 · EIN 26-2091417 | Recordkeeping | $2,118 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,427 | $65,092-80.9% | $143,799-91.4% | $66,938-81.4% |
| Participation rate | 42.0% | 65.2%-23.2pp | 80.3%-38.3pp | 69.8%-27.8pp |
| Annual return | 70.25% | -11.14%+81.4pp | -0.04%+70.3pp | 1.58%+68.7pp |
| Employer contribution / active EE | $1,168 | $2,362-50.5% | $4,952-76.4% | $2,545-54.1% |
| Participant deferral / active EE | $2,312 | $2,920-20.8% | $5,638-59.0% | $4,238-45.4% |
| Admin fee / account holder | $100 | $502-80.1% | $14,677-99.3% | $594-83.2% |