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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $47,188 |
PENSION ASSURANCE LLP7+ years Filed as: PENSION PLANNING CONSULTANTS, INC. Service code 15 · EIN 85-0402842 | Recordkeeping | $8,331 |
Service code 27 · EIN 26-4311657 | Advisory (Plan) | $4,340 |
CONSTRUCTORS MEP1 year Service code 35 · EIN 85-0135610 | Employee (plan sponsor) | $339 |
Service code 35 · EIN 38-3985677 | Employee (plan sponsor) | $20 |
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.)
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 | $31,915 | $64,176-50.3% | $112,249-71.6% | $66,938-52.3% |
| Participation rate | 55.5% | 68.4%-13.0pp | 75.1%-19.6pp | 69.8%-14.3pp |
| Annual return | -3.89% | -13.80%+9.9pp | 27.48%-31.4pp | 1.58%-5.5pp |
| Employer contribution / active EE | $1,154 | $3,007-61.6% | $3,636-68.3% | $2,545-54.6% |
| Participant deferral / active EE | $1,868 | $3,694-49.4% | $4,729-60.5% | $4,238-55.9% |
| Admin fee / account holder | $329 | $626-47.5% | $6,412-94.9% | $594-44.6% |