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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 32 · EIN 13-5674085 | Real estate brokerage; Other commissions | $10,637 |
Service code 15 · EIN 84-0467907 | Recordkeeping | $5,927 |
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.)
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 | $40,748 | $49,451-17.6% | $79,576-48.8% | $66,930-39.1% |
| Participation rate | 39.8% | 61.3%-21.6pp | 69.5%-29.7pp | 69.8%-30.1pp |
| Annual return | -18.85% | 84.25%-103.1pp | 0.15%-19.0pp | 1.57%-20.4pp |
| Employer contribution / active EE | $890 | $1,266-29.7% | $2,413-63.1% | $2,545-65.0% |
| Participant deferral / active EE | $3,492 | $3,159+10.6% | $3,985-12.4% | $4,238-17.6% |
| Admin fee / account holder | $383 | $595-35.6% | $6,834-94.4% | $593-35.5% |