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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER Service code 52 | Indirect Investment Fees | $24,934 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,722 | $42,582-20.8% | $171,082-80.3% | $57,658-41.5% |
| Participation rate | 23.8% | 63.9%-40.2pp | 76.7%-52.9pp | 70.2%-46.5pp |
| Annual return | 16.71% | 308.67%-292.0pp | 32.56%-15.8pp | 5.13%+11.6pp |
| Employer contribution / active EE | $0 | $1,306-100.0% | $4,002-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $1,431 | $2,933-51.2% | $4,797-70.2% | $3,061-53.3% |
| Admin fee / account holder | $11 | $82-86.2% | $8,520-99.9% | $95-87.9% |