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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $23,889 |
Filed as: MERRILL LYNCH Service code 16 · EIN 13-2808480 | Consulting | $16,564 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $26,952 | $65,453-58.8% | $86,698-68.9% | $66,938-59.7% |
| Participation rate | 64.8% | 75.5%-10.6pp | 76.6%-11.8pp | 69.8%-5.0pp |
| Annual return | -14.93% | -10.89%-4.0pp | 35.95%-50.9pp | 1.58%-16.5pp |
| Employer contribution / active EE | $300 | $2,154-86.1% | $2,837-89.4% | $2,545-88.2% |
| Participant deferral / active EE | $2,430 | $4,102-40.8% | $4,656-47.8% | $4,238-42.7% |
| Admin fee / account holder | $279 | $642-56.5% | $7,493-96.3% | $594-53.0% |