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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC2 years Service code 15 · EIN 11-3665754 | Recordkeeping | $21,558 |
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $14,112 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $19,196 | $44,980-57.3% | $85,063-77.4% | $77,692-75.3% |
| Participation rate | 17.6% | 48.6%-31.1pp | 67.5%-49.9pp | 70.6%-53.0pp |
| Annual return | 10.64% | 79.13%-68.5pp | 66.54%-55.9pp | 31.25%-20.6pp |
| Employer contribution / active EE | $272 | $1,607-83.1% | $2,727-90.0% | $2,726-90.0% |
| Participant deferral / active EE | $877 | $2,804-68.7% | $4,523-80.6% | $4,648-81.1% |
| Admin fee / account holder | $207 | $911-77.2% | $6,155-96.6% | $431-51.8% |