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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH LIFE AGENCY INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $45,527 |
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $34,389 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $27,512 | $106,230-74.1% | $147,080-81.3% | $77,736-64.6% |
| Participation rate | 56.3% | 78.4%-22.1pp | 82.2%-25.9pp | 70.6%-14.3pp |
| Annual return | 91.51% | 56.91%+34.6pp | 420.17%-328.7pp | 31.26%+60.2pp |
| Employer contribution / active EE | $2,159 | $4,072-47.0% | $4,933-56.2% | $2,728-20.9% |
| Participant deferral / active EE | $8,327 | $8,001+4.1% | $8,066+3.2% | $4,651+79.0% |
| Admin fee / account holder | $218 | $338-35.6% | $12,989-98.3% | $433-49.7% |