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| Provider | Service type | Compensation |
|---|---|---|
Filed as: GWLA Service code 15 · EIN 84-0467907 | Recordkeeping | $57,838 |
Filed as: MERRILL LYNCH PIERCE FENNER SMITH I Service code 50 · EIN 13-5674085 | Direct Payment | $43,676 |
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 | $79,633 | $84,936-6.2% | $111,308-28.5% | $79,391+0.3% |
| Participation rate | 58.9% | 75.9%-16.9pp | 77.3%-18.4pp | 70.7%-11.8pp |
| Annual return | 12.20% | 17.45%-5.3pp | 54.67%-42.5pp | 116.88%-104.7pp |
| Employer contribution / active EE | $769 | $1,979-61.2% | $2,732-71.9% | $2,428-68.3% |
| Participant deferral / active EE | $3,101 | $3,888-20.3% | $4,487-30.9% | $4,046-23.4% |
| Admin fee / account holder | $846 | $537+57.5% | $7,965-89.4% | $627+35.0% |