Filed July 15, 2026 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $223,935 |
Filed as: PINNACLE PENSION CONSULTANTS, LLC Service code 70 · EIN 81-0776852 | Consulting Fees | $48,000 |
MILLER KAPLAN ARASE LLP3+ years Service code 70 · EIN 95-2036255 | Consulting Fees | $18,000 |
PINNACLE PENSION1 year Filed as: PINNACE PENSION CONSULTANTS, LLC Service code 70 · EIN 81-0776852 | Consulting Fees | $12,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $124,090 | $221,442-44.0% | $92,236+34.5% | $77,958+59.2% |
| Participation rate | 66.5% | 79.6%-13.1pp | 76.5%-10.0pp | 71.6%-5.2pp |
| Annual return | 18.33% | 15.65%+2.7pp | 176.29%-158.0pp | 20.87%-2.5pp |
| Employer contribution / active EE | $1,472 | $3,226-54.4% | $3,679-60.0% | $2,310-36.3% |
| Participant deferral / active EE | $6,685 | $2,779+140.5% | $3,897+71.5% | $3,537+89.0% |
| Admin fee / account holder | $297 | $210+41.8% | $5,194-94.3% | $97+205.4% |