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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 59-1531281 | Advisory (Plan) | $30,379 |
Service code 15 · EIN 42-1484983 | Recordkeeping | $23,729 |
Filed as: TRANSAMERICA FINANCIAL LIFE Service code 15 · EIN 36-6071399 | Recordkeeping | $11,294 |
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.)
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 | $43,865 | $103,024-57.4% | $112,040-60.8% | $79,634-44.9% |
| Participation rate | 46.1% | 80.6%-34.5pp | 76.5%-30.4pp | 62.5%-16.4pp |
| Annual return | 16.01% | 17.60%-1.6pp | 24.52%-8.5pp | 36.46%-20.4pp |
| Employer contribution / active EE | $1,029 | $3,015-65.9% | $2,954-65.2% | $2,529-59.3% |
| Participant deferral / active EE | $2,959 | $5,233-43.4% | $5,098-41.9% | $3,835-22.8% |
| Admin fee / account holder | $355 | $465-23.6% | $12,098-97.1% | $1,002-64.5% |