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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $19,834 |
ASCENSUS LLC3 years Service code 15 · EIN 11-3665754 | Recordkeeping | $18,065 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,660 | $64,176-25.7% | $112,249-57.5% | $66,938-28.8% |
| Participation rate | 77.5% | 68.4%+9.0pp | 75.1%+2.4pp | 69.8%+7.7pp |
| Annual return | -19.40% | -13.80%-5.6pp | 27.48%-46.9pp | 1.58%-21.0pp |
| Employer contribution / active EE | $2,874 | $3,007-4.4% | $3,636-21.0% | $2,545+12.9% |
| Participant deferral / active EE | $4,802 | $3,694+30.0% | $4,729+1.5% | $4,238+13.3% |
| Admin fee / account holder | $351 | $626-43.9% | $6,412-94.5% | $594-40.9% |