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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $14,336 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,415 | $51,207-9.4% | $70,565-34.2% | $71,529-35.1% |
| Participation rate | 64.2% | 59.4%+4.8pp | 68.4%-4.2pp | 67.9%-3.8pp |
| Annual return | 15.52% | 42.71%-27.2pp | 32.79%-17.3pp | 28.97%-13.5pp |
| Employer contribution / active EE | $0 | $1,795-100.0% | $2,976-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $2,941 | $3,033-3.0% | $4,568-35.6% | $4,291-31.5% |
| Admin fee / account holder | $121 | $2,002-93.9% | $6,430-98.1% | $1,588-92.4% |