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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 22 · EIN 13-2808480 | Insurance Broker | $2,471 |
PENSION ASSURANCE LLP1+ years Filed as: THE PENSION STUDIO, LLC Service code 15 · EIN 54-2154380 | Recordkeeping | $1,325 |
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $666 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $28,671 | $68,413-58.1% | $123,106-76.7% | $55,191-48.1% |
| Participation rate | 47.4% | 84.5%-37.1pp | 86.8%-39.4pp | 69.2%-21.8pp |
| Annual return | -0.66% | 6.30%-7.0pp | 13.22%-13.9pp | 10.78%-11.4pp |
| Employer contribution / active EE | $760 | $3,050-75.1% | $5,151-85.2% | $1,899-60.0% |
| Participant deferral / active EE | $2,572 | $4,490-42.7% | $6,229-58.7% | $3,046-15.6% |
| Admin fee / account holder | $8 | $88-91.4% | $9,015-99.9% | $91-91.7% |