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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $23,860 |
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $20,635 |
Service code 15 · EIN 20-5923747 | Recordkeeping | $2,175 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $74,491 | $59,467+25.3% | $93,727-20.5% | $74,4780% |
| Participation rate | 48.8% | 59.6%-10.8pp | 68.7%-19.9pp | 67.2%-18.4pp |
| Annual return | 11.81% | 82.14%-70.3pp | 133.83%-122.0pp | 1370.56%-1358.8pp |
| Employer contribution / active EE | $1,066 | $1,267-15.8% | $2,421-56.0% | $2,626-59.4% |
| Participant deferral / active EE | $3,970 | $3,052+30.1% | $4,417-10.1% | $4,350-8.7% |
| Admin fee / account holder | $333 | $3,028-89.0% | $8,292-96.0% | $1,946-82.9% |