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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $18,594 |
Filed as: MERRILL LYNCH LIFE AGENCY INC Service code 49 · EIN 13-2808480 | Other Services | $5,243 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $94,592 | $63,082+49.9% | $81,716+15.8% | $79,852+18.5% |
| Participation rate | 57.6% | 67.5%-10.0pp | 72.0%-14.4pp | 69.6%-12.1pp |
| Annual return | 15.58% | 22.66%-7.1pp | 29.49%-13.9pp | 31.72%-16.1pp |
| Employer contribution / active EE | $0 | $1,795-100.0% | $4,310-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $5,279 | $2,780+89.9% | $7,108-25.7% | $3,740+41.1% |
| Admin fee / account holder | $342 | $4,428-92.3% | $5,159-93.4% | $5,306-93.6% |