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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $24,495 |
Filed as: MERRILL LYNCH Service code 16 · EIN 13-2808480 | Consulting | $20,371 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,685 | $84,936-62.7% | $111,308-71.5% | $79,391-60.1% |
| Participation rate | 65.7% | 75.9%-10.2pp | 77.3%-11.6pp | 70.7%-5.0pp |
| Annual return | 10.72% | 17.45%-6.7pp | 54.67%-43.9pp | 116.88%-106.2pp |
| Employer contribution / active EE | $340 | $1,979-82.8% | $2,732-87.5% | $2,428-86.0% |
| Participant deferral / active EE | $2,728 | $3,888-29.8% | $4,487-39.2% | $4,046-32.6% |
| Admin fee / account holder | $303 | $537-43.6% | $7,965-96.2% | $627-51.6% |