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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH,PIERCE,FENNER & SMITH Service code 18 · EIN 13-5674085 | Custodial (other than securities); Su... | $87,429 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,284 | $47,977-32.7% | $154,111-79.1% | $56,287-42.6% |
| Participation rate | 80.5% | 66.2%+14.3pp | 83.0%-2.6pp | 69.9%+10.6pp |
| Annual return | -6.57% | 3.54%-10.1pp | 735.18%-741.7pp | -9.96%+3.4pp |
| Employer contribution / active EE | $1,914 | $2,169-11.8% | $5,298-63.9% | $2,111-9.3% |
| Participant deferral / active EE | $0 | $2,392-100.0% | $5,081-100.0% | $3,350-100.0% |
| Admin fee / account holder | $485 | $438+10.7% | $13,411-96.4% | $521-6.9% |