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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $62,881 |
Filed as: MERRILL LYNCH LIFE AGENCY INC. Service code 16 · EIN 13-2808480 | Consulting | $44,240 |
AL DEROO & ASSOCIATES5 years Service code 10 · EIN 94-1154481 | Accounting | $24,640 |
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.
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).
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 | $99,444 | $55,230+80.1% | $79,583+25.0% | - |
| Participation rate | 56.2% | 62.4%-6.2pp | 69.5%-13.3pp | - |
| Annual return | -13.32% | -17.05%+3.7pp | 0.16%-13.5pp | - |
| Employer contribution / active EE | $371 | $1,304-71.6% | $2,414-84.6% | - |
| Participant deferral / active EE | $4,080 | $2,804+45.5% | $3,986+2.4% | - |
| Admin fee / account holder | $665 | $7,320-90.9% | $6,835-90.3% | - |