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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER Service code 52 | Indirect Investment Fees | $18,286 |
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,496 | $89,364-78.2% | $141,177-86.2% | $72,983-73.3% |
| Participation rate | 72.9% | 75.1%-2.2pp | 82.5%-9.6pp | 69.5%+3.4pp |
| Annual return | 21.78% | 111.86%-90.1pp | 71.40%-49.6pp | 81.01%-59.2pp |
| Employer contribution / active EE | $2,606 | $3,115-16.3% | $4,736-45.0% | $2,440+6.8% |
| Participant deferral / active EE | $4,588 | $5,419-15.3% | $6,710-31.6% | $3,608+27.2% |
| Admin fee / account holder | $10 | $5,959-99.8% | $10,263-99.9% | $5,124-99.8% |