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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO. Service code 15 · EIN 36-6071399 | Recordkeeping | $8,219 |
Filed as: MERRILL LYNCH Service code 22 · EIN 13-2808480 | Insurance Broker | $3,111 |
Service code 15 · EIN 31-1299207 | Recordkeeping | $1,875 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $73,999 | $63,314+16.9% | $91,004-18.7% | $62,293+18.8% |
| Participation rate | 39.7% | 73.3%-33.6pp | 75.6%-35.9pp | 69.5%-29.8pp |
| Annual return | 16.97% | 21.00%-4.0pp | 4.60%+12.4pp | 28.90%-11.9pp |
| Employer contribution / active EE | $264 | $1,807-85.4% | $2,456-89.2% | $2,042-87.1% |
| Participant deferral / active EE | $2,164 | $2,944-26.5% | $3,548-39.0% | $3,169-31.7% |
| Admin fee / account holder | $89 | $468-81.1% | $5,417-98.4% | $479-81.5% |