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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH LIFE AGENCY Service code 26 · EIN 13-2808480 | Advisory (Participants) | $8,647 |
Filed as: MASS MUTUAL LIFE INSURANCE CO Service code 15 · EIN 04-1590850 | Recordkeeping | $3,029 |
Filed as: ANGELL PENSION GROUP Service code 64 · EIN 04-2530412 | Recordkeeping Fees | $1,308 |
RELAINCE TRUST COMPANY1 year Service code 25 · EIN 58-1428634 | Directed Trustee | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $20,922 | $41,467-49.5% | $67,313-68.9% | $55,725-62.5% |
| Participation rate | 18.7% | 62.5%-43.8pp | 69.1%-50.4pp | 70.9%-52.2pp |
| Annual return | -4.67% | 0.82%-5.5pp | -4.08%-0.6pp | 244.93%-249.6pp |
| Employer contribution / active EE | $69 | $1,316-94.7% | $2,566-97.3% | $2,078-96.7% |
| Participant deferral / active EE | $458 | $2,399-80.9% | $3,568-87.2% | $3,356-86.3% |
| Admin fee / account holder | $29 | $102-71.5% | $4,507-99.4% | $115-74.7% |