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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS COM Service code 15 · EIN 36-6071399 | Recordkeeping | $40,147 |
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $21,529 |
NWRPC LLC1 year Service code 15 · EIN 88-2334307 | Recordkeeping | $13,456 |
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 | $62,808 | $92,186-31.9% | $105,624-40.5% | $77,762-19.2% |
| Participation rate | 51.9% | 81.0%-29.2pp | 75.3%-23.4pp | 70.6%-18.7pp |
| Annual return | 15.25% | 17.83%-2.6pp | 116.20%-101.0pp | 31.27%-16.0pp |
| Employer contribution / active EE | $1,698 | $3,376-49.7% | $3,168-46.4% | $2,728-37.8% |
| Participant deferral / active EE | $4,487 | $5,395-16.8% | $5,013-10.5% | $4,651-3.5% |
| Admin fee / account holder | $320 | $219+46.0% | $10,961-97.1% | $433-26.1% |