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| Provider | Service type | Compensation |
|---|---|---|
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Service code 15 · EIN 13-5674085 | Recordkeeping | $43,262 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $37,273 |
ADP BROKER-DEALER10+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
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.)
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 | $138,811 | $59,467+133.4% | $93,727+48.1% | $74,478+86.4% |
| Participation rate | 68.5% | 59.6%+8.9pp | 68.7%-0.2pp | 67.2%+1.3pp |
| Annual return | 15.75% | 82.14%-66.4pp | 133.83%-118.1pp | 1370.56%-1354.8pp |
| Employer contribution / active EE | $2,260 | $1,267+78.4% | $2,421-6.7% | $2,626-13.9% |
| Participant deferral / active EE | $6,676 | $3,052+118.8% | $4,417+51.1% | $4,350+53.5% |
| Admin fee / account holder | $503 | $3,028-83.4% | $8,292-93.9% | $1,946-74.1% |