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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $78,365 |
IMA WEALTH INC1 year Service code 27 · EIN 48-1233289 | Advisory (Plan) | $47,028 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $50,043 | $44,898+11.5% | $85,187-41.3% | $199,960-75.0% |
| Participation rate | 17.2% | 45.7%-28.6pp | 67.5%-50.3pp | 72.0%-54.8pp |
| Annual return | 58.45% | 20.98%+37.5pp | 66.67%-8.2pp | 34.28%+24.2pp |
| Employer contribution / active EE | $262 | $1,367-80.8% | $2,732-90.4% | $3,036-91.4% |
| Participant deferral / active EE | $804 | $2,670-69.9% | $4,525-82.2% | $5,087-84.2% |
| Admin fee / account holder | $434 | $585-25.9% | $6,162-93.0% | $269+61.1% |