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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH-FAS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $4,622 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $3,582 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $30,122 | $45,123-33.2% | $85,240-64.7% | $74,478-59.6% |
| Participation rate | 26.6% | 49.4%-22.7pp | 67.5%-40.9pp | 67.2%-40.6pp |
| Annual return | 12.41% | 26.32%-13.9pp | 66.75%-54.3pp | 1370.56%-1358.2pp |
| Employer contribution / active EE | $185 | $1,459-87.3% | $2,735-93.2% | $2,626-92.9% |
| Participant deferral / active EE | $1,289 | $2,736-52.9% | $4,527-71.5% | $4,350-70.4% |
| Admin fee / account holder | $465 | $2,215-79.0% | $6,165-92.5% | $1,946-76.1% |