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| Provider | Service type | Compensation |
|---|---|---|
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Service code 17 · EIN 13-5674085 | Pension Consulting | $35,091 |
ACTUARIAL BENEFITS CORP6 years Filed as: ACTUARIAL CONSULTING SERVICES, INC. Service code 13 · EIN 16-1186135 | Contract Administrator | $8,358 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $1,748 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $87,754 | $79,209+10.8% | $102,434-14.3% | $74,459+17.9% |
| Participation rate | 57.7% | 74.8%-17.1pp | 76.5%-18.8pp | 67.2%-9.5pp |
| Annual return | 12.55% | 54.98%-42.4pp | 29.46%-16.9pp | 1369.70%-1357.2pp |
| Employer contribution / active EE | $1,251 | $2,362-47.1% | $3,023-58.6% | $2,626-52.4% |
| Participant deferral / active EE | $4,008 | $4,417-9.3% | $5,055-20.7% | $4,350-7.9% |
| Admin fee / account holder | $315 | $2,002-84.3% | $9,462-96.7% | $1,945-83.8% |