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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $19,359 |
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $18,518 |
Service code 15 · EIN 20-5923747 | Recordkeeping | $1,201 |
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.
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 | $70,118 | $54,717+28.1% | $86,216-18.7% | $71,511-1.9% |
| Participation rate | 44.7% | 60.1%-15.4pp | 69.0%-24.2pp | 67.9%-23.2pp |
| Annual return | 13.46% | 20.07%-6.6pp | 1169.42%-1156.0pp | 28.86%-15.4pp |
| Employer contribution / active EE | $1,932 | $1,267+52.5% | $2,382-18.9% | $2,589-25.4% |
| Participant deferral / active EE | $3,830 | $3,110+23.2% | $3,986-3.9% | $4,291-10.7% |
| Admin fee / account holder | $308 | $1,922-84.0% | $6,853-95.5% | $1,588-80.6% |