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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS Service code 15 · EIN 36-6071399 | Recordkeeping | $135,120 |
Service code 15 · EIN 42-1484983 | Recordkeeping | $38,630 |
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 | $48,010 | $36,806+30.4% | $69,623-31.0% | $77,736-38.2% |
| Participation rate | 23.7% | 64.4%-40.7pp | 66.4%-42.7pp | 70.6%-46.9pp |
| Annual return | -35.95% | 38.81%-74.8pp | 101.23%-137.2pp | 31.26%-67.2pp |
| Employer contribution / active EE | $736 | $1,257-41.5% | $1,709-56.9% | $2,728-73.0% |
| Participant deferral / active EE | $2,118 | $2,738-22.7% | $2,890-26.7% | $4,651-54.5% |
| Admin fee / account holder | $631 | $507+24.5% | $4,696-86.6% | $433+45.7% |