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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $71,585 |
Filed as: TRANSAMERICA FINANCIAL LIFE INS. CO Service code 15 · EIN 36-6071399 | Recordkeeping | $54,436 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $147,316 | $79,209+86.0% | $102,434+43.8% | $74,459+97.8% |
| Participation rate | 77.5% | 74.8%+2.7pp | 76.5%+1.0pp | 67.2%+10.3pp |
| Annual return | 14.84% | 54.98%-40.1pp | 29.46%-14.6pp | 1369.70%-1354.9pp |
| Employer contribution / active EE | $8,966 | $2,362+279.5% | $3,023+196.6% | $2,626+241.5% |
| Participant deferral / active EE | $2,384 | $4,417-46.0% | $5,055-52.8% | $4,350-45.2% |
| Admin fee / account holder | $643 | $2,002-67.9% | $9,462-93.2% | $1,945-66.9% |