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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH LIFE AGENCY Service code 27 · EIN 13-2808480 | Advisory (Plan) | $31,760 |
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $15,326 |
DEFINITI LLC4 years Service code 13 · EIN 85-0833363 2201 TIMBERLOCH PL · THE WOODLANDS, TX 77380 | Contract Administrator | $7,156 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $81,635 | $84,458-3.3% | $102,184-20.1% | $64,340+26.9% |
| Participation rate | 81.5% | 74.2%+7.3pp | 82.6%-1.1pp | 55.2%+26.3pp |
| Annual return | 14.05% | 45.73%-31.7pp | 31.58%-17.5pp | 24.14%-10.1pp |
| Employer contribution / active EE | $2,386 | $2,412-1.1% | $3,594-33.6% | $1,862+28.1% |
| Participant deferral / active EE | $3,865 | $6,208-37.7% | $8,309-53.5% | $2,980+29.7% |
| Admin fee / account holder | $497 | $2,926-83.0% | $11,609-95.7% | $3,703-86.6% |