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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH,PIERCE,FENNER & SMITH Service code 50 · EIN 13-5674085 | Direct Payment | $35,609 |
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $24,145 |
ASCENSUS LLC5 years Service code 15 · EIN 11-3665754 | Recordkeeping | $13,751 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $71,560 | $64,176+11.5% | $112,263-36.3% | $66,949+6.9% |
| Participation rate | 57.3% | 68.4%-11.2pp | 75.1%-17.8pp | 69.8%-12.6pp |
| Annual return | -16.89% | -13.80%-3.1pp | 27.49%-44.4pp | 1.57%-18.5pp |
| Employer contribution / active EE | $1,069 | $3,007-64.5% | $3,636-70.6% | $2,545-58.0% |
| Participant deferral / active EE | $3,005 | $3,694-18.6% | $4,729-36.5% | $4,239-29.1% |
| Admin fee / account holder | $468 | $626-25.2% | $6,410-92.7% | $594-21.1% |