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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $31,382 |
Filed as: MERRILL LYNCH Service code 27 · EIN 13-2808480 | Advisory (Plan) | $29,113 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,534 | $42,367+40.5% | $79,583-25.2% | $64,824-8.2% |
| Participation rate | 17.0% | 64.7%-47.7pp | 69.5%-52.5pp | 71.5%-54.5pp |
| Annual return | -20.70% | -12.24%-8.5pp | 0.16%-20.9pp | 32.84%-53.5pp |
| Employer contribution / active EE | $468 | $1,181-60.4% | $2,414-80.6% | $2,507-81.3% |
| Participant deferral / active EE | $914 | $3,168-71.2% | $3,986-77.1% | $4,311-78.8% |
| Admin fee / account holder | $354 | $160+121.7% | $6,835-94.8% | $188+88.3% |