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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $28,476 |
Service code 15 · EIN 62-1874769 | Recordkeeping | $9,933 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
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 | $72,698 | $44,642+62.8% | $91,219-20.3% | $66,923+8.6% |
| Participation rate | 28.6% | 64.9%-36.3pp | 73.2%-44.6pp | 69.8%-41.2pp |
| Annual return | -14.91% | -12.29%-2.6pp | 114.06%-129.0pp | 1.58%-16.5pp |
| Employer contribution / active EE | $0 | $1,706-100.0% | $2,851-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $810 | $3,349-75.8% | $4,234-80.9% | $4,237-80.9% |
| Admin fee / account holder | $854 | $521+63.7% | $5,421-84.3% | $593+43.8% |