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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $85,144 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $39,918 |
ASCENSUS LLC2 years Filed as: FUTUREPLAN BY ASCENSUS Service code 15 · EIN 82-3719843 | Recordkeeping | $4,433 |
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.)
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 | $43,487 | $39,973+8.8% | $79,580-45.4% | $77,906-44.2% |
| Participation rate | 15.9% | 64.6%-48.7pp | 69.5%-53.6pp | 73.7%-57.8pp |
| Annual return | -16.11% | 3.42%-19.5pp | 0.15%-16.3pp | 12.16%-28.3pp |
| Employer contribution / active EE | $743 | $1,088-31.7% | $2,413-69.2% | $2,846-73.9% |
| Participant deferral / active EE | $1,541 | $2,774-44.4% | $3,985-61.3% | $4,805-67.9% |
| Admin fee / account holder | $391 | $113+246.5% | $6,835-94.3% | $133+195.1% |