Sign up free to preview peer percentile detail
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview 5-year trajectory
Free accounts unlock saves, downloads, and 3-year history.
| Provider | Service type | Compensation |
|---|---|---|
Filed as: TRANSAMERICA FINANCIAL LIFE INS. Service code 15 · EIN 36-6071399 | Recordkeeping | $6,854 |
Filed as: MERRILL LYNCH LIFE AGENCY INC. Service code 27 · EIN 13-2808480 | Advisory (Plan) | $3,572 |
INCENTIVE BENEFITS, INC.3+ years Service code 15 · EIN 82-2413612 | Recordkeeping | $75 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $37,798 | $54,239-30.3% | $70,098-46.1% | $68,495-44.8% |
| Participation rate | 50.0% | 64.5%-14.5pp | 70.5%-20.5pp | 67.9%-17.9pp |
| Annual return | -15.59% | -13.87%-1.7pp | 190.76%-206.4pp | -7.84%-7.8pp |
| Employer contribution / active EE | $4,848 | $2,019+140.1% | $2,560+89.3% | $2,596+86.7% |
| Participant deferral / active EE | $5,645 | $2,957+90.9% | $3,849+46.7% | $4,028+40.2% |
| Admin fee / account holder | $481 | $4,691-89.8% | $6,266-92.3% | $5,403-91.1% |