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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $180,527 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $160,309 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $84,872 | $100,801-15.8% | $149,745-43.3% | $73,412+15.6% |
| Participation rate | 64.9% | 77.7%-12.8pp | 82.5%-17.6pp | 72.2%-7.3pp |
| Annual return | -1.27% | 265.34%-266.6pp | 276.72%-278.0pp | 59.30%-60.6pp |
| Employer contribution / active EE | $1,921 | $3,312-42.0% | $4,646-58.6% | $2,234-14.0% |
| Participant deferral / active EE | $7,320 | $6,404+14.3% | $6,843+7.0% | $3,806+92.3% |
| Admin fee / account holder | $398 | $181+120.3% | $9,312-95.7% | $158+152.3% |