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| Provider | Service type | Compensation |
|---|---|---|
TRANSAMERICA RETIREMENT SOLUTIONS11+ years Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $49,038 |
MERRILL LYNCH PIERCE FENNER & SMITH11+ years Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $20,119 |
COMPASS 360, LLC3 years Service code 15 · EIN 81-1939215 | Recordkeeping | $4,361 |
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.)
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 | $74,944 | $63,904+17.3% | $89,340-16.1% | $67,986+10.2% |
| Participation rate | 45.8% | 54.3%-8.5pp | 69.6%-23.8pp | 57.2%-11.4pp |
| Annual return | 15.44% | 18.09%-2.7pp | 20.57%-5.1pp | 31.67%-16.2pp |
| Employer contribution / active EE | $1,299 | $1,627-20.2% | $2,231-41.8% | $2,019-35.6% |
| Participant deferral / active EE | $2,214 | $2,691-17.7% | $3,823-42.1% | $3,358-34.1% |
| Admin fee / account holder | $750 | $3,315-77.4% | $6,704-88.8% | $3,203-76.6% |