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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE CO Service code 15 · EIN 39-0989781 | Recordkeeping | $9,732 |
EGPS1 year Filed as: EGPS, INC. Service code 15 · EIN 13-3180178 | Recordkeeping | $380 |
SAGEPOINT FINANCIAL INC1 year Filed as: SAGEPOINT FINANCIAL, INC Service code 22 · EIN 20-1741754 | Insurance Broker | $0 |
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.)
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).
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 | $31,334 | $39,028-19.7% | $80,741-61.2% | $85,847-63.5% |
| Participation rate | 20.2% | 41.6%-21.3pp | 54.2%-33.9pp | 69.3%-49.1pp |
| Annual return | 11.10% | 26.31%-15.2pp | 87.30%-76.2pp | 318.61%-307.5pp |
| Employer contribution / active EE | $7 | $722-99.0% | $1,160-99.4% | $2,565-99.7% |
| Participant deferral / active EE | $334 | $1,326-74.8% | $2,145-84.4% | $3,952-91.6% |
| Admin fee / account holder | $421 | $2,429-82.7% | $3,380-87.5% | $6,261-93.3% |