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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS Service code 15 · EIN 36-3071399 | Recordkeeping | $15,673 |
Service code 15 · EIN 20-3886993 | Recordkeeping | $2,706 |
Filed as: MESIROW FINANCIAL, INC. Service code 27 · EIN 36-3194849 | Advisory (Plan) | $274 |
Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 22 · EIN 26-4310632 | Insurance Broker | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,412 | $75,388-74.3% | $123,552-84.3% | $55,725-65.2% |
| Participation rate | 26.7% | 75.7%-49.0pp | 82.3%-55.6pp | 70.9%-44.2pp |
| Annual return | 8.18% | 4.48%+3.7pp | 119.20%-111.0pp | 244.93%-236.8pp |
| Employer contribution / active EE | $518 | $3,063-83.1% | $4,628-88.8% | $2,078-75.1% |
| Participant deferral / active EE | $985 | $5,651-82.6% | $6,426-84.7% | $3,356-70.6% |
| Admin fee / account holder | $167 | $120+39.1% | $9,285-98.2% | $115+44.6% |