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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $20,988 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 16 · EIN 13-2808480 | Consulting | $20,656 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,849 | $59,267+2.7% | $96,575-37.0% | $79,393-23.4% |
| Participation rate | 45.2% | 61.9%-16.7pp | 69.8%-24.6pp | 70.7%-25.5pp |
| Annual return | 9.27% | 27.08%-17.8pp | 37.79%-28.5pp | 116.87%-107.6pp |
| Employer contribution / active EE | $989 | $1,216-18.7% | $2,357-58.0% | $2,428-59.3% |
| Participant deferral / active EE | $3,416 | $2,947+15.9% | $3,849-11.2% | $4,046-15.6% |
| Admin fee / account holder | $313 | $659-52.5% | $6,182-94.9% | $627-50.0% |