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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS. CO Service code 15 · EIN 36-6071399 | Recordkeeping | $37,228 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $13,352 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,299 | $54,245-49.7% | $93,727-70.9% | $77,762-64.9% |
| Participation rate | 8.3% | 63.9%-55.7pp | 68.7%-60.5pp | 70.6%-62.3pp |
| Annual return | 11.65% | 30.58%-18.9pp | 133.83%-122.2pp | 31.27%-19.6pp |
| Employer contribution / active EE | $0 | $1,168-100.0% | $2,421-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $173 | $3,144-94.5% | $4,417-96.1% | $4,651-96.3% |
| Admin fee / account holder | $305 | $575-47.1% | $8,292-96.3% | $433-29.7% |