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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 | $107,225 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $47,833 |
ASCENSUS LLC5 years Filed as: FUTUREPLAN BY ASCENSUS Service code 15 · EIN 82-3719843 | Recordkeeping | $24,695 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,264 | $85,660-44.8% | $133,346-64.6% | $85,660-44.8% |
| Participation rate | 18.0% | 74.8%-56.9pp | 72.8%-54.9pp | 74.8%-56.9pp |
| Annual return | 12.88% | 19.52%-6.6pp | 36.85%-24.0pp | 19.52%-6.6pp |
| Employer contribution / active EE | $665 | $4,199-84.2% | $2,853-76.7% | $4,199-84.2% |
| Participant deferral / active EE | $1,086 | $3,518-69.1% | $4,332-74.9% | $3,518-69.1% |
| Admin fee / account holder | $340 | $224+52.0% | $14,264-97.6% | $224+52.0% |