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| Provider | Service type | Compensation |
|---|---|---|
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Service code 15 · EIN 13-5674085 | Recordkeeping | $65,686 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $5,470 |
Service code 15 · EIN 35-0472300 P.O. BOX 7877 · FORT WAYNE, IN 46802 | Recordkeeping | $2,941 |
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 | $96,370 | $106,264-9.3% | $147,117-34.5% | $77,762+23.9% |
| Participation rate | 58.7% | 78.4%-19.7pp | 82.2%-23.5pp | 70.6%-11.9pp |
| Annual return | 15.18% | 56.94%-41.8pp | 420.54%-405.4pp | 31.27%-16.1pp |
| Employer contribution / active EE | $3,917 | $4,074-3.9% | $4,932-20.6% | $2,728+43.6% |
| Participant deferral / active EE | $10,738 | $8,003+34.2% | $8,065+33.1% | $4,651+130.9% |
| Admin fee / account holder | $301 | $334-10.0% | $12,993-97.7% | $433-30.5% |