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| Provider | Service type | Compensation |
|---|---|---|
TRANSAMERICA RETIREMENT SOLUTIONS10+ years Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $43,730 |
MERRIL LYNCH8 years Service code 27 · EIN 13-2808480 | Advisory (Plan) | $15,955 |
ASCENSUS LLC4 years Filed as: FUTUREPLAN BY ASCENSUS Service code 15 · EIN 82-3719843 | Recordkeeping | $1,060 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $76,174 | $89,465-14.9% | $165,071-53.9% | $77,736-2.0% |
| Participation rate | 14.6% | 78.6%-64.0pp | 78.6%-64.0pp | 70.6%-55.9pp |
| Annual return | 16.95% | 28.86%-11.9pp | 70.17%-53.2pp | 31.26%-14.3pp |
| Employer contribution / active EE | $0 | $2,565-100.0% | $4,347-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $785 | $4,904-84.0% | $6,035-87.0% | $4,651-83.1% |
| Admin fee / account holder | $704 | $340+107.1% | $12,695-94.5% | $433+62.4% |