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| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS CO Service code 15 · EIN 36-6071399 | Recordkeeping | $27,315 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 16 · EIN 13-2808480 | Consulting | $20,479 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $61,399 | $54,717+12.2% | $86,209-28.8% | $71,495-14.1% |
| Participation rate | 64.5% | 60.1%+4.4pp | 69.0%-4.5pp | 67.9%-3.4pp |
| Annual return | 17.81% | 20.07%-2.3pp | 1169.05%-1151.2pp | 28.85%-11.0pp |
| Employer contribution / active EE | $538 | $1,267-57.6% | $2,381-77.4% | $2,589-79.2% |
| Participant deferral / active EE | $3,520 | $3,110+13.2% | $3,986-11.7% | $4,291-18.0% |
| Admin fee / account holder | $330 | $1,922-82.9% | $6,853-95.2% | $1,588-79.2% |