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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 59-1531281 | Advisory (Plan) | $27,043 |
Service code 15 · EIN 42-1484983 | Recordkeeping | $22,150 |
Filed as: TRANSAMERICA FINANCIAL LIFE Service code 15 · EIN 36-6071399 | Recordkeeping | $9,744 |
COULTER & JUSTUS1 year Filed as: COUTER & JUSTUS Service code 10 · EIN 62-1532536 | Accounting | $4,500 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,396 | $89,123-61.4% | $102,460-66.4% | $77,762-55.8% |
| Participation rate | 45.7% | 80.9%-35.2pp | 76.5%-30.8pp | 70.6%-24.9pp |
| Annual return | 11.83% | 25.05%-13.2pp | 29.47%-17.6pp | 31.27%-19.4pp |
| Employer contribution / active EE | $953 | $2,700-64.7% | $3,025-68.5% | $2,728-65.1% |
| Participant deferral / active EE | $2,759 | $5,148-46.4% | $5,056-45.4% | $4,651-40.7% |
| Admin fee / account holder | $301 | $236+27.5% | $9,460-96.8% | $433-30.5% |