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| Provider | Service type | Compensation |
|---|---|---|
TRANSAMERICA RETIREMENT SOLUTIONS10+ years Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $52,734 |
PENSION PLAN SPECIALISTS, PC3 years Filed as: PENSION PLAN SPECIALISTS, PC. Service code 15 · EIN 26-1570786 | Recordkeeping | $24,065 |
OSAIC WEALTH INC1 year Service code 22 · EIN 93-0987232 | Insurance Broker | $1,217 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,115 | $50,919-19.3% | $155,556-73.6% | $77,762-47.1% |
| Participation rate | 45.2% | 63.1%-17.9pp | 78.2%-33.0pp | 70.6%-25.4pp |
| Annual return | 9.68% | 34.84%-25.2pp | 64.84%-55.2pp | 31.27%-21.6pp |
| Employer contribution / active EE | $208 | $1,991-89.5% | $4,675-95.5% | $2,728-92.4% |
| Participant deferral / active EE | $1,606 | $2,824-43.1% | $5,631-71.5% | $4,651-65.5% |
| Admin fee / account holder | $422 | $437-3.4% | $15,885-97.3% | $433-2.5% |