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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $74,332 |
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 | $96,393 | $76,107+26.7% | $96,576-0.2% | $71,495+34.8% |
| Participation rate | 99.3% | 74.4%+24.9pp | 76.0%+23.3pp | 67.9%+31.3pp |
| Annual return | 11.79% | 22.81%-11.0pp | 25.87%-14.1pp | 28.85%-17.1pp |
| Employer contribution / active EE | $2,056 | $2,247-8.5% | $2,965-30.6% | $2,589-20.6% |
| Participant deferral / active EE | $6,068 | $4,218+43.9% | $4,851+25.1% | $4,291+41.4% |
| Admin fee / account holder | $408 | $2,708-84.9% | $8,253-95.1% | $1,588-74.3% |