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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $105,534 |
IMA WEALTH INC1 year Filed as: IMA ADVISORY SERVICES INC Service code 27 · EIN 48-1233289 | Advisory (Plan) | $70,659 |
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 | $47,263 | $59,016-19.9% | $88,179-46.4% | $100,573-53.0% |
| Participation rate | 24.7% | 28.1%-3.4pp | 69.1%-44.4pp | 70.9%-46.2pp |
| Annual return | 24.81% | 14.54%+10.3pp | 64.97%-40.2pp | 18.89%+5.9pp |
| Employer contribution / active EE | $394 | $1,685-76.6% | $2,549-84.5% | $3,763-89.5% |
| Participant deferral / active EE | $1,306 | $1,701-23.2% | $4,614-71.7% | $4,921-73.5% |
| Admin fee / account holder | $494 | $3,465-85.8% | $7,673-93.6% | $454+8.7% |