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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE Service code 15 · EIN 36-6071399 | Recordkeeping | $25,805 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $24,179 |
Filed as: EDWARD D JONES & COMPANY Service code 27 · EIN 43-0345811 | Advisory (Plan) | $2,849 |
Filed as: CREATIVE RETIREMENT SYSTEMS, INC Service code 15 · EIN 31-1299207 | Recordkeeping | $2,375 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $47,578 | $59,402-19.9% | $93,654-49.2% | $74,546-36.2% |
| Participation rate | 47.9% | 59.7%-11.7pp | 68.7%-20.8pp | 67.2%-19.3pp |
| Annual return | 11.00% | 81.86%-70.9pp | 133.34%-122.3pp | 1366.03%-1355.0pp |
| Employer contribution / active EE | $496 | $1,265-60.7% | $2,421-79.5% | $2,624-81.1% |
| Participant deferral / active EE | $2,776 | $3,049-8.9% | $4,413-37.1% | $4,347-36.1% |
| Admin fee / account holder | $533 | $3,023-82.4% | $8,282-93.6% | $1,944-72.6% |