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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).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,944 | $65,561+14.3% | $91,541-18.1% | $74,304+0.9% |
| Participation rate | 45.8% | 56.6%-10.8pp | 69.8%-24.0pp | 60.3%-14.5pp |
| Annual return | 15.44% | 17.68%-2.2pp | 20.50%-5.1pp | 29.43%-14.0pp |
| Employer contribution / active EE | $1,299 | $1,717-24.3% | $2,505-48.1% | $2,241-42.0% |
| Participant deferral / active EE | $2,214 | $2,918-24.1% | $4,008-44.8% | $3,767-41.2% |
| Admin fee / account holder | $750 | $3,333-77.5% | $6,956-89.2% | $2,969-74.7% |