Retraining - Mostly disagree except I think the replacements should be a zero experience (except where building bonuses apply).
Bandits - Seems alright to me, perhaps some bigger and more aggressive outbreaks would be cool too...
Mercenaries - Are different to MTW in that they represent the opportunity to raise unusual troops types for your faction rather than the organised mercenary bands of the Medieval period...
Bribery - agree, it is so easy it almost ruins the game if you don't control yourself... In MTW it would cost like 30,000 + florins to bribe a full army with an average general and that could totally bankrupt you... In RTW to buy a full stack of one of the other Roman factions army with a general, well you should get change out of 10,000d easily... Add that to the massive amount of cash you roll in once your economy kicks off in RTW...
Units - is all really personal opinion (except for $£*%ing desert axemen

)... But should be easy to mod... That said every game where I am not playing Briton, German or Gaul the Britons kick the Germans arses, that looks a little unbalanced...
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