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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE Service code 15 · EIN 36-6071399 | Recordkeeping | $37,849 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $14,661 |
Service code 27 · EIN 26-0180443 | Advisory (Plan) | $3,430 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $89,854 | $102,661-12.5% | $151,639-40.7% | $66,938+34.2% |
| Participation rate | 59.3% | 85.5%-26.2pp | 87.5%-28.2pp | 69.8%-10.5pp |
| Annual return | -12.01% | -10.81%-1.2pp | 3.34%-15.3pp | 1.58%-13.6pp |
| Employer contribution / active EE | $1,030 | $4,184-75.4% | $6,165-83.3% | $2,545-59.5% |
| Participant deferral / active EE | $4,978 | $6,645-25.1% | $8,363-40.5% | $4,238+17.4% |
| Admin fee / account holder | $811 | $630+28.6% | $11,613-93.0% | $594+36.6% |