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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $35,773 |
Filed as: MERRILL LYNCH Service code 27 · EIN 13-2808480 | Advisory (Plan) | $33,455 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $83,610 | $54,245+54.1% | $93,727-10.8% | $77,762+7.5% |
| Participation rate | 15.1% | 63.9%-48.8pp | 68.7%-53.6pp | 70.6%-55.5pp |
| Annual return | 14.54% | 30.58%-16.0pp | 133.83%-119.3pp | 31.27%-16.7pp |
| Employer contribution / active EE | $434 | $1,168-62.8% | $2,421-82.1% | $2,728-84.1% |
| Participant deferral / active EE | $891 | $3,144-71.7% | $4,417-79.8% | $4,651-80.8% |
| Admin fee / account holder | $400 | $575-30.5% | $8,292-95.2% | $433-7.6% |