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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER Service code 52 | Indirect Investment Fees | $22,845 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $34,246 | $56,054-38.9% | $171,082-80.0% | $62,881-45.5% |
| Participation rate | 56.7% | 62.9%-6.2pp | 76.7%-20.0pp | 69.3%-12.6pp |
| Annual return | 6.31% | 22.52%-16.2pp | 32.56%-26.2pp | 20.14%-13.8pp |
| Employer contribution / active EE | $0 | $1,731-100.0% | $4,002-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,708 | $3,158-45.9% | $4,797-64.4% | $3,203-46.7% |
| Admin fee / account holder | $4 | $3,647-99.9% | $8,520-100.0% | $4,296-99.9% |