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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $77,074 |
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Service code 15 · EIN 13-5674085 | Recordkeeping | $34,546 |
ADP BROKER-DEALER10+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $34,442 | $48,744-29.3% | $93,727-63.3% | $200,096-82.8% |
| Participation rate | 28.3% | 63.7%-35.4pp | 68.7%-40.4pp | 72.0%-43.7pp |
| Annual return | 12.51% | 15.36%-2.9pp | 133.83%-121.3pp | 34.26%-21.8pp |
| Employer contribution / active EE | $59 | $1,140-94.8% | $2,421-97.6% | $3,038-98.1% |
| Participant deferral / active EE | $2,230 | $2,825-21.1% | $4,417-49.5% | $5,090-56.2% |
| Admin fee / account holder | $226 | $195+15.6% | $8,292-97.3% | $269-16.2% |