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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH LIFE AGENCY, INC Service code 16 · EIN 13-2808480 | Consulting | $48,529 |
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $47,185 |
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.)
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $85,805 | $78,419+9.4% | $133,978-36.0% | $73,412+16.9% |
| Participation rate | 68.7% | 78.6%-9.9pp | 79.8%-11.2pp | 72.2%-3.5pp |
| Annual return | 19.56% | 33.35%-13.8pp | 45.10%-25.5pp | 59.30%-39.7pp |
| Employer contribution / active EE | $2,128 | $2,044+4.2% | $3,919-45.7% | $2,234-4.7% |
| Participant deferral / active EE | $5,002 | $3,925+27.4% | $5,047-0.9% | $3,806+31.4% |
| Admin fee / account holder | $348 | $161+115.7% | $8,930-96.1% | $158+120.4% |