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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER Service code 52 | Indirect Investment Fees | $8,707 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $8,368 | $32,425-74.2% | $74,577-88.8% | $55,167-84.8% |
| Participation rate | 30.8% | 54.0%-23.2pp | 68.1%-37.3pp | 69.0%-38.2pp |
| Annual return | -4.78% | 10.63%-15.4pp | 20.47%-25.2pp | 169.23%-174.0pp |
| Employer contribution / active EE | $600 | $1,043-42.5% | $2,525-76.2% | $1,963-69.4% |
| Participant deferral / active EE | $883 | $1,995-55.7% | $3,458-74.5% | $3,054-71.1% |
| Admin fee / account holder | $3 | $748-99.7% | $4,138-99.9% | $504-99.5% |