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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $6,187 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $2,329 |
BENEFIT RESOURCES, INC.4+ years Service code 15 · EIN 68-0198481 | Recordkeeping | $400 |
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.
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).
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 | $19,412 | $43,133-55.0% | $89,400-78.3% | $73,493-73.6% |
| Participation rate | 17.0% | 55.0%-38.0pp | 68.0%-51.0pp | 70.7%-53.7pp |
| Annual return | 13.18% | 135.66%-122.5pp | 245.64%-232.5pp | 28.51%-15.3pp |
| Employer contribution / active EE | $95 | $1,438-93.4% | $2,586-96.3% | $2,270-95.8% |
| Participant deferral / active EE | $958 | $2,445-60.8% | $3,890-75.4% | $3,740-74.4% |
| Admin fee / account holder | $270 | $444-39.1% | $4,882-94.5% | $513-47.3% |