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| Provider | Service type | Compensation |
|---|---|---|
Service code 17 · EIN 13-5674085 | Pension Consulting | $10,218 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $8,883 |
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674082 150 N COLLEGE ST. · STATE COLLEGE, PA 16801 | Advisory (Participants) | $8,015 |
Service code 13 | Contract Administrator | $1,203 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $65,306 | $105,200-37.9% | $159,474-59.0% | $85,847-23.9% |
| Participation rate | 91.8% | 75.8%+16.1pp | 82.8%+9.0pp | 69.3%+22.5pp |
| Annual return | 12.07% | 45.08%-33.0pp | 263.68%-251.6pp | 318.61%-306.5pp |
| Employer contribution / active EE | $1,444 | $3,319-56.5% | $4,831-70.1% | $2,565-43.7% |
| Participant deferral / active EE | $5,830 | $5,946-1.9% | $7,353-20.7% | $3,952+47.5% |
| Admin fee / account holder | $418 | $6,934-94.0% | $10,802-96.1% | $6,261-93.3% |