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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $5,839 |
ASCENSUS LLC1 year Filed as: ASCENSUS, LLC Service code 15 · EIN 82-3719843 | Recordkeeping | $3,608 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $1,980 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $48,482 | $63,355-23.5% | $91,994-47.3% | $72,983-33.6% |
| Participation rate | 61.4% | 72.5%-11.2pp | 78.6%-17.3pp | 69.5%-8.1pp |
| Annual return | 27.81% | 35.35%-7.5pp | 69.03%-41.2pp | 81.01%-53.2pp |
| Employer contribution / active EE | $1,426 | $2,116-32.6% | $3,452-58.7% | $2,440-41.5% |
| Participant deferral / active EE | $6,056 | $4,883+24.0% | $5,923+2.2% | $3,608+67.9% |
| Admin fee / account holder | $111 | $4,668-97.6% | $7,743-98.6% | $5,124-97.8% |