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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 | $59,467-20.0% | $93,727-49.2% | $74,478-36.1% |
| Participation rate | 47.9% | 59.6%-11.7pp | 68.7%-20.8pp | 67.2%-19.3pp |
| Annual return | 11.00% | 82.14%-71.1pp | 133.83%-122.8pp | 1370.56%-1359.6pp |
| Employer contribution / active EE | $496 | $1,267-60.8% | $2,421-79.5% | $2,626-81.1% |
| Participant deferral / active EE | $2,776 | $3,052-9.0% | $4,417-37.1% | $4,350-36.2% |
| Admin fee / account holder | $533 | $3,028-82.4% | $8,292-93.6% | $1,946-72.6% |