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| Provider | Service type | Compensation |
|---|---|---|
Filed as: NPF RETIREMENT INC Service code 27 · EIN 33-0905143 | Advisory (Plan) | $20,120 |
ASCENSUS LLC4 years Filed as: FUTUREPLAN BY ASCENSUS Service code 15 · EIN 82-3719843 | Recordkeeping | $900 |
TRANSAMERICA RETIREMENT SOLUTIONS10+ years Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $885 |
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.)
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,803 | $71,050-53.8% | $93,606-65.0% | $80,856-59.4% |
| Participation rate | 66.7% | 60.4%+6.3pp | 68.7%-2.1pp | 67.6%-1.0pp |
| Annual return | 12.76% | 11.26%+1.5pp | 133.20%-120.4pp | 35.59%-22.8pp |
| Employer contribution / active EE | $349 | $1,564-77.7% | $2,420-85.6% | $2,755-87.3% |
| Participant deferral / active EE | $4,210 | $4,034+4.4% | $4,411-4.6% | $4,296-2.0% |
| Admin fee / account holder | $436 | $6,945-93.7% | $8,285-94.7% | $6,918-93.7% |