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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $29,107 |
Filed as: MERRILL LYNCH Service code 27 · EIN 13-2808480 | Advisory (Plan) | $26,766 |
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 | $69,508 | $53,165+30.7% | $86,235-19.4% | $74,473-6.7% |
| Participation rate | 18.0% | 64.9%-46.9pp | 69.0%-51.0pp | 70.7%-52.8pp |
| Annual return | 18.22% | 22.64%-4.4pp | 1170.03%-1151.8pp | 34.36%-16.1pp |
| Employer contribution / active EE | $495 | $1,210-59.1% | $2,381-79.2% | $2,638-81.2% |
| Participant deferral / active EE | $981 | $3,234-69.7% | $3,987-75.4% | $4,530-78.3% |
| Admin fee / account holder | $321 | $551-41.8% | $6,856-95.3% | $347-7.5% |