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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER Service code 52 | Indirect Investment Fees | $9,513 |
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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,092 | $36,767-42.6% | $81,473-74.1% | $62,293-66.1% |
| Participation rate | 48.2% | 54.4%-6.3pp | 68.0%-19.8pp | 69.5%-21.3pp |
| Annual return | 11.18% | 173.80%-162.6pp | 38.78%-27.6pp | 28.90%-17.7pp |
| Employer contribution / active EE | $763 | $1,128-32.4% | $2,568-70.3% | $2,042-62.6% |
| Participant deferral / active EE | $1,054 | $2,111-50.1% | $3,537-70.2% | $3,169-66.8% |
| Admin fee / account holder | $21 | $797-97.4% | $4,561-99.5% | $479-95.7% |