Sign up free to preview peer percentile detail
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview 10-year trajectory
Free accounts unlock saves, downloads, and 3-year history.
| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 16 · EIN 13-2808480 | Consulting | $20,036 |
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $15,792 |
WILLOWBROOK FORD, INC1 year Service code 35 · EIN 36-3063579 | Employee (plan sponsor) | $6,368 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $71,499 | $54,573+31.0% | $90,970-21.4% | $73,497-2.7% |
| Participation rate | 43.0% | 61.2%-18.2pp | 69.0%-26.0pp | 70.7%-27.7pp |
| Annual return | 9.03% | 16.69%-7.7pp | 134.60%-125.6pp | 28.51%-19.5pp |
| Employer contribution / active EE | $833 | $991-16.0% | $2,122-60.7% | $2,270-63.3% |
| Participant deferral / active EE | $2,795 | $2,517+11.1% | $3,373-17.1% | $3,740-25.3% |
| Admin fee / account holder | $343 | $521-34.2% | $5,961-94.2% | $513-33.1% |