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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS Service code 15 · EIN 36-6071399 | Recordkeeping | $20,451 |
Service code 15 · EIN 62-1874769 | Recordkeeping | $8,329 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $53,995 | $63,471-14.9% | $68,803-21.5% | $66,949-19.3% |
| Participation rate | 38.5% | 60.0%-21.5pp | 69.0%-30.6pp | 69.8%-31.4pp |
| Annual return | -20.69% | -8.29%-12.4pp | -6.37%-14.3pp | 1.57%-22.3pp |
| Employer contribution / active EE | $641 | $1,776-63.9% | $2,656-75.9% | $2,545-74.8% |
| Participant deferral / active EE | $1,420 | $2,946-51.8% | $3,942-64.0% | $4,239-66.5% |
| Admin fee / account holder | $654 | $578+13.2% | $4,936-86.7% | $594+10.2% |