See peer percentile detail. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
See the 10-year trajectory. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURA Service code 15 · EIN 36-6071399 | Recordkeeping | $24,581 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC Service code 22 · EIN 13-2808480 | Insurance Broker | $16,015 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $65,928 | $84,936-22.4% | $111,297-40.8% | $79,386-17.0% |
| Participation rate | 19.3% | 75.9%-56.6pp | 77.3%-58.0pp | 70.7%-51.4pp |
| Annual return | 12.82% | 17.45%-4.6pp | 54.65%-41.8pp | 116.85%-104.0pp |
| Employer contribution / active EE | $0 | $1,979-100.0% | $2,731-100.0% | $2,427-100.0% |
| Participant deferral / active EE | $729 | $3,888-81.3% | $4,487-83.8% | $4,046-82.0% |
| Admin fee / account holder | $625 | $537+16.3% | $7,964-92.2% | $626-0.3% |