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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $80,943 |
Filed as: MERRILL LYNCH Service code 27 · EIN 13-2808480 | Advisory (Plan) | $49,593 |
WITHUMSMITH+BROWN, PC2 years Filed as: BROWN, FINK, BOYCE & ASTLE Service code 10 · EIN 68-0000424 | Accounting | $9,108 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $36,953 | $83,023-55.5% | $102,437-63.9% | $77,762-52.5% |
| Participation rate | 62.4% | 71.5%-9.1pp | 74.5%-12.1pp | 70.6%-8.2pp |
| Annual return | 8.73% | 19.12%-10.4pp | 24.95%-16.2pp | 31.27%-22.5pp |
| Employer contribution / active EE | $1,343 | $3,552-62.2% | $3,871-65.3% | $2,728-50.8% |
| Participant deferral / active EE | $3,020 | $4,110-26.5% | $5,060-40.3% | $4,651-35.1% |
| Admin fee / account holder | $284 | $639-55.5% | $8,388-96.6% | $433-34.3% |