Filed April 14, 2026
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $10,227 |
MORGAN STANLEY SMITH BARNEY1+ years Filed as: MORGAN STANLEY SMITH BARNEY LLC Service code 22 · EIN 26-4310632 | Insurance Broker | $0 |
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.
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 | $37,226 | $54,320-31.5% | $67,652-45.0% | $52,331-28.9% |
| Participation rate | 13.8% | 73.6%-59.8pp | 75.7%-61.8pp | 68.1%-54.3pp |
| Annual return | -1.56% | 6.81%-8.4pp | 6625.40%-6627.0pp | 4.54%-6.1pp |
| Employer contribution / active EE | $0 | $1,544-100.0% | $2,266-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $561 | $2,950-81.0% | $3,560-84.2% | $3,022-81.4% |
| Admin fee / account holder | $236 | $527-55.1% | $4,821-95.1% | $592-60.0% |