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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $25,753 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $14,131 |
HUNNEX AND SHOEMAKER, INC.2 years Service code 15 · EIN 91-1072394 | Recordkeeping | $2,375 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $25,375 | $86,655-70.7% | $119,608-78.8% | $66,930-62.1% |
| Participation rate | 62.3% | 75.6%-13.3pp | 79.3%-17.0pp | 69.8%-7.6pp |
| Annual return | -12.65% | -8.00%-4.7pp | -14.98%+2.3pp | 1.57%-14.2pp |
| Employer contribution / active EE | $1,365 | $2,536-46.2% | $4,232-67.7% | $2,545-46.4% |
| Participant deferral / active EE | $2,085 | $4,358-52.1% | $5,601-62.8% | $4,238-50.8% |
| Admin fee / account holder | $354 | $755-53.0% | $10,326-96.6% | $593-40.3% |