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| Provider | Service type | Compensation |
|---|---|---|
Service code 16 · EIN 41-2131046 | Consulting | $20,649 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $3,088 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $49,451 | $52,293-5.4% | $178,503-72.3% | $73,412-32.6% |
| Participation rate | 44.0% | 65.3%-21.4pp | 81.9%-37.9pp | 72.2%-28.2pp |
| Annual return | 10.82% | 34.75%-23.9pp | 151.12%-140.3pp | 59.30%-48.5pp |
| Employer contribution / active EE | $299 | $1,736-82.8% | $5,011-94.0% | $2,234-86.6% |
| Participant deferral / active EE | $2,388 | $2,333+2.3% | $5,202-54.1% | $3,806-37.3% |
| Admin fee / account holder | $231 | $127+81.5% | $13,987-98.3% | $158+46.4% |