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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA LIFE INSURANCE CO. Service code 15 · EIN 39-0989781 | Recordkeeping | $11,412 |
AMERIBEN1+ years Filed as: AMERIBEN/IEC GROUP Service code 15 · EIN 82-0296121 P. O. BOX 7186 · BOISE, ID 83707 | Recordkeeping | $4,000 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $18,577 | $41,317-55.0% | $85,969-78.4% | $55,191-66.3% |
| Participation rate | 49.0% | 54.5%-5.4pp | 76.5%-27.5pp | 69.2%-20.1pp |
| Annual return | -0.35% | 3.93%-4.3pp | 9.32%-9.7pp | 10.78%-11.1pp |
| Employer contribution / active EE | $200 | $1,198-83.3% | $3,474-94.3% | $1,899-89.5% |
| Participant deferral / active EE | $1,053 | $1,914-45.0% | $3,829-72.5% | $3,046-65.4% |
| Admin fee / account holder | $59 | $97-39.4% | $6,053-99.0% | $91-35.3% |