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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $19,864 |
Filed as: MERRILL LYNCH Service code 27 · EIN 13-2808480 | Advisory (Plan) | $8,981 |
ASCENSUS LLC3 years Service code 15 · EIN 82-3719843 | Recordkeeping | $3,036 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $53,017 | $39,286+35.0% | $80,741-34.3% | $79,393-33.2% |
| Participation rate | 38.2% | 41.0%-2.7pp | 54.2%-15.9pp | 70.7%-32.5pp |
| Annual return | 12.05% | 98.95%-86.9pp | 87.30%-75.3pp | 116.87%-104.8pp |
| Employer contribution / active EE | $285 | $594-52.0% | $1,160-75.4% | $2,428-88.3% |
| Participant deferral / active EE | $639 | $1,264-49.4% | $2,145-70.2% | $4,046-84.2% |
| Admin fee / account holder | $580 | $647-10.4% | $3,380-82.9% | $627-7.5% |