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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $9,645 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $6,360 |
ALLIANCE BENEFIT GROUP4 years Filed as: ALLIANCE BENEFIT GROUP OF HOUSTON Service code 15 · EIN 76-0500416 | Recordkeeping | $1,840 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,039 | $39,286-28.6% | $80,741-65.3% | $79,391-64.7% |
| Participation rate | 3.6% | 41.0%-37.3pp | 54.2%-50.5pp | 70.7%-67.1pp |
| Annual return | 17.53% | 98.95%-81.4pp | 87.30%-69.8pp | 116.88%-99.4pp |
| Employer contribution / active EE | $140 | $594-76.5% | $1,160-88.0% | $2,428-94.3% |
| Participant deferral / active EE | $823 | $1,264-34.8% | $2,145-61.6% | $4,046-79.6% |
| Admin fee / account holder | $337 | $647-47.9% | $3,380-90.0% | $627-46.3% |