Filed September 18, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $23,935 |
ASCENSUS LLC7 years Service code 15 · EIN 11-3665754 | Recordkeeping | $14,352 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $118,026 | $30,421+288.0% | $56,077+110.5% | $74,429+58.6% |
| Participation rate | 50.0% | 32.9%+17.1pp | 52.5%-2.5pp | 67.2%-17.2pp |
| Annual return | 15.08% | 24.94%-9.9pp | 1709.28%-1694.2pp | 1368.38%-1353.3pp |
| Employer contribution / active EE | $0 | $610-100.0% | $1,040-100.0% | $2,625-100.0% |
| Participant deferral / active EE | $3,452 | $1,175+193.8% | $1,954+76.7% | $4,348-20.6% |
| Admin fee / account holder | $336 | $2,363-85.8% | $2,825-88.1% | $1,944-82.7% |