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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC6 years Filed as: ASCENSUS Service code 15 · EIN 11-3665754 | Recordkeeping | $7,790 |
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $6,297 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $17,695 | $73,839-76.0% | $143,788-87.7% | $68,495-74.2% |
| Participation rate | 38.8% | 66.7%-27.9pp | 80.3%-41.5pp | 67.9%-29.1pp |
| Annual return | -13.75% | 1.01%-14.8pp | -0.03%-13.7pp | -7.84%-5.9pp |
| Employer contribution / active EE | $617 | $3,184-80.6% | $4,952-87.5% | $2,596-76.2% |
| Participant deferral / active EE | $509 | $3,384-85.0% | $5,638-91.0% | $4,028-87.4% |
| Admin fee / account holder | $194 | $5,755-96.6% | $14,675-98.7% | $5,403-96.4% |