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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 17 · EIN 13-5674085 | Pension Consulting | $34,971 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $33,994 |
ORENDA RETIREMENT, LLC5 years Filed as: ORENDA RETIREMENT LLC Service code 13 · EIN 36-4877979 | Contract Administrator | $23,220 |
ORENDA RETIREMENT, LLC5 years Service code 13 | Contract Administrator | $4,463 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $59,084 | $42,504+39.0% | $160,009-63.1% | $77,906-24.2% |
| Participation rate | 22.5% | 66.9%-44.4pp | 78.0%-55.5pp | 73.7%-51.2pp |
| Annual return | -17.68% | -12.43%-5.3pp | 408.85%-426.5pp | 12.16%-29.8pp |
| Employer contribution / active EE | $0 | $1,684-100.0% | $4,225-100.0% | $2,846-100.0% |
| Participant deferral / active EE | $1,938 | $3,919-50.6% | $6,183-68.7% | $4,805-59.7% |
| Admin fee / account holder | $349 | $98+257.9% | $8,715-96.0% | $133+163.3% |