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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.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,865 | $99,442-55.9% | $113,397-61.3% | $71,012-38.2% |
| Participation rate | 46.1% | 78.9%-32.9pp | 76.5%-30.4pp | 58.6%-12.5pp |
| Annual return | 16.01% | 17.93%-1.9pp | 23.20%-7.2pp | 37.67%-21.7pp |
| Employer contribution / active EE | $1,029 | $3,068-66.5% | $2,977-65.4% | $2,348-56.2% |
| Participant deferral / active EE | $2,959 | $4,915-39.8% | $5,076-41.7% | $3,246-8.8% |
| Admin fee / account holder | $355 | $535-33.5% | $11,957-97.0% | $1,167-69.5% |