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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH,PIERCE,FENNER & SMITH Service code 18 · EIN 13-5674085 | Securities brokerage; Investment mana... | $95,848 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,339 | $46,360-13.0% | $147,617-72.7% | $52,331-22.9% |
| Participation rate | 82.8% | 64.9%+17.9pp | 84.6%-1.8pp | 68.1%+14.7pp |
| Annual return | -2.72% | 1.62%-4.3pp | 61.98%-64.7pp | 4.54%-7.3pp |
| Employer contribution / active EE | $3,983 | $2,126+87.3% | $5,564-28.4% | $1,882+111.6% |
| Participant deferral / active EE | $0 | $2,258-100.0% | $4,895-100.0% | $3,022-100.0% |
| Admin fee / account holder | $526 | $766-31.3% | $11,612-95.5% | $592-11.1% |