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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 22 · EIN 13-2808480 | Insurance Broker | $31,414 |
RSM US LLP4+ years Service code 10 · EIN 42-0714325 | Accounting | $27,030 |
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $5,780 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $76,163 | $75,388+1.0% | $123,553-38.4% | $55,725+36.7% |
| Participation rate | 65.3% | 75.7%-10.4pp | 82.3%-17.0pp | 70.9%-5.6pp |
| Annual return | -4.83% | 4.48%-9.3pp | 119.21%-124.0pp | 244.93%-249.8pp |
| Employer contribution / active EE | $1,668 | $3,063-45.6% | $4,628-64.0% | $2,078-19.8% |
| Participant deferral / active EE | $6,544 | $5,651+15.8% | $6,426+1.8% | $3,356+95.0% |
| Admin fee / account holder | $40 | $120-67.0% | $9,284-99.6% | $115-65.7% |