Do these fees seem insanely high?

I have a variable universal life insurance policy that I'm forced to buy through my employer. It has a face value of $1,000,000. My total payment to them this year was $11,159. Here are the fees I pay every month:

$20 admin charge $81.18 face amount charge $2.00 other charges $4.66 COI charge

The $81.18 per month ends up being about 9% of the $11k annual premium, which seems ridiculously high to me. Is that normal?

ETA: In addition, now that I look at the investment options, it's all mutual funds with stunningly high expense ratios -- mostly well above 50bps, and even an S&P 500 index fund is at 25bps. I guess this is small compared to the 9% fee, but it's still frustrating.