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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $19,293 |
Filed as: MERRILL LYNCH Service code 16 · EIN 13-2808480 | Consulting | $9,105 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,358 | $69,012-34.3% | $160,009-71.7% | $68,486-33.8% |
| Participation rate | 39.3% | 65.4%-26.1pp | 78.0%-38.7pp | 67.9%-28.6pp |
| Annual return | -15.64% | -9.65%-6.0pp | 408.85%-424.5pp | -7.85%-7.8pp |
| Employer contribution / active EE | $905 | $2,212-59.1% | $4,225-78.6% | $2,597-65.2% |
| Participant deferral / active EE | $2,002 | $4,212-52.5% | $6,183-67.6% | $4,028-50.3% |
| Admin fee / account holder | $451 | $4,798-90.6% | $8,715-94.8% | $5,404-91.7% |