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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $5,683 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $1,851 |
ALLIANCE BENEFIT GROUP2 years Filed as: ALLIANCE BENEFIT GROUP OF HOUSTON Service code 15 · EIN 76-0500416 | Recordkeeping | $600 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $17,190 | $31,679-45.7% | $74,723-77.0% | $65,186-73.6% |
| Participation rate | 10.9% | 40.4%-29.4pp | 54.5%-43.6pp | 70.2%-59.3pp |
| Annual return | 22.69% | 39.04%-16.3pp | 753.18%-730.5pp | 29.39%-6.7pp |
| Employer contribution / active EE | $129 | $566-77.2% | $1,084-88.1% | $2,177-94.1% |
| Participant deferral / active EE | $390 | $1,191-67.3% | $1,962-80.1% | $3,514-88.9% |
| Admin fee / account holder | $148 | $379-61.0% | $3,335-95.6% | $847-82.5% |