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| Provider | Service type | Compensation |
|---|---|---|
MATRIX TRUST COMPANY3+ years Service code 21 · EIN 75-3182674 | Bank Trustee | $37,216 |
Filed as: MERRILL LYNCH LIFE AGENCY, INC. Service code 26 · EIN 13-2808480 | Advisory (Participants) | $30,611 |
RETIREMENT STRATEGIES, INC.3+ years Service code 15 · EIN 58-2380163 | Recordkeeping | $28,720 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $123,263 | $63,342+94.6% | $92,236+33.6% | $70,131+75.8% |
| Participation rate | 86.7% | 68.7%+18.1pp | 76.5%+10.3pp | 69.5%+17.2pp |
| Annual return | 11.21% | 530.15%-518.9pp | 176.29%-165.1pp | 73.14%-61.9pp |
| Employer contribution / active EE | $0 | $2,471-100.0% | $3,679-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $4,263 | $2,854+49.4% | $3,897+9.4% | $3,332+27.9% |
| Admin fee / account holder | $862 | $3,840-77.5% | $5,194-83.4% | $4,645-81.4% |