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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 15 · EIN 13-5674085 | Recordkeeping | $232 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $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.
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 | $35,909 | $65,453-45.1% | $86,698-58.6% | $66,938-46.4% |
| Participation rate | 29.1% | 75.5%-46.3pp | 76.6%-47.5pp | 69.8%-40.7pp |
| Annual return | -8.80% | -10.89%+2.1pp | 35.95%-44.8pp | 1.58%-10.4pp |
| Employer contribution / active EE | $0 | $2,154-100.0% | $2,837-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $667 | $4,102-83.7% | $4,656-85.7% | $4,238-84.3% |
| Admin fee / account holder | $331 | $642-48.5% | $7,493-95.6% | $594-44.3% |