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 | $30,437+287.8% | $56,033+110.6% | $74,459+58.5% |
| Participation rate | 50.0% | 32.9%+17.1pp | 52.5%-2.5pp | 67.2%-17.2pp |
| Annual return | 15.08% | 24.96%-9.9pp | 1711.38%-1696.3pp | 1369.70%-1354.6pp |
| Employer contribution / active EE | $0 | $610-100.0% | $1,041-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $3,452 | $1,176+193.6% | $1,954+76.7% | $4,350-20.6% |
| Admin fee / account holder | $336 | $2,363-85.8% | $2,827-88.1% | $1,945-82.7% |