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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $78,852 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $47,110 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $64,632 | $60,607+6.6% | $189,575-65.9% | $86,821-25.6% |
| Participation rate | 64.2% | 68.9%-4.7pp | 78.4%-14.2pp | 72.3%-8.1pp |
| Annual return | 12.72% | 65.18%-52.5pp | 64.19%-51.5pp | 97.94%-85.2pp |
| Employer contribution / active EE | $1,434 | $1,626-11.8% | $4,412-67.5% | $2,406-40.4% |
| Participant deferral / active EE | $2,998 | $3,895-23.0% | $6,174-51.4% | $4,132-27.4% |
| Admin fee / account holder | $375 | $159+136.1% | $9,806-96.2% | $170+121.1% |