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| Provider | Service type | Compensation |
|---|---|---|
TARYN R. SCHUMAN, CPA, INC1+ years Service code 10 · EIN 99-0338688 | Accounting | $20,084 |
Filed as: TRANSAMERICA FINANCIAL LIFE INSURAN Service code 15 · EIN 36-6071399 | Recordkeeping | $6,279 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 22 · EIN 13-2808480 | Insurance Broker | $1,715 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $51,739 | $45,566+13.5% | $64,105-19.3% | $59,632-13.2% |
| Participation rate | 60.0% | 60.2%-0.2pp | 68.2%-8.2pp | 68.7%-8.7pp |
| Annual return | -3.88% | 4.95%-8.8pp | 791.24%-795.1pp | 2041.32%-2045.2pp |
| Employer contribution / active EE | $0 | $934-100.0% | $1,820-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,741 | $2,057+81.9% | $2,822+32.6% | $3,192+17.2% |
| Admin fee / account holder | $317 | $3,268-90.3% | $4,499-92.9% | $4,297-92.6% |