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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER Service code 27 · EIN 13-5674085 4 WORLD FINANCIAL CENTER · NEW YORK, NY 10281 | Advisory (Plan) | $57,887 |
PAYCHEX, INC.10+ years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $43,636 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $166,811 | $79,209+110.6% | $102,434+62.8% | $74,459+124.0% |
| Participation rate | 92.4% | 74.8%+17.7pp | 76.5%+15.9pp | 67.2%+25.2pp |
| Annual return | 14.66% | 54.98%-40.3pp | 29.46%-14.8pp | 1369.70%-1355.0pp |
| Employer contribution / active EE | $0 | $2,362-100.0% | $3,023-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $10,942 | $4,417+147.7% | $5,055+116.5% | $4,350+151.6% |
| Admin fee / account holder | $447 | $2,002-77.7% | $9,462-95.3% | $1,945-77.0% |