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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE Service code 15 · EIN 36-6071399 | Recordkeeping | $23,339 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $22,039 |
Filed as: EDWARD D JONES & COMPANY Service code 27 · EIN 43-0345811 | Advisory (Plan) | $10,868 |
Filed as: CREATIVE RETIREMENT SYSTEMS, INC Service code 15 · EIN 31-1299207 | Recordkeeping | $2,050 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,389 | $54,717-24.4% | $86,209-52.0% | $71,495-42.1% |
| Participation rate | 51.4% | 60.1%-8.7pp | 69.0%-17.6pp | 67.9%-16.5pp |
| Annual return | 13.63% | 20.07%-6.4pp | 1169.05%-1155.4pp | 28.85%-15.2pp |
| Employer contribution / active EE | $553 | $1,267-56.3% | $2,381-76.8% | $2,589-78.6% |
| Participant deferral / active EE | $2,868 | $3,110-7.8% | $3,986-28.0% | $4,291-33.2% |
| Admin fee / account holder | $492 | $1,922-74.4% | $6,853-92.8% | $1,588-69.0% |