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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH - EPS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $18,478 |
Filed as: MERRILL LYNCH - FAS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $14,783 |
Filed as: JOHN HANCOCK LIFE INSURANCE Service code 15 · EIN 01-0233346 | Recordkeeping | $0 |
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.)
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 | $114,000 | $83,045+37.3% | $130,045-12.3% | $71,511+59.4% |
| Participation rate | 56.9% | 74.1%-17.2pp | 78.5%-21.6pp | 67.9%-11.0pp |
| Annual return | 26.10% | 20.61%+5.5pp | -137.30%+163.4pp | 28.86%-2.8pp |
| Employer contribution / active EE | $996 | $2,623-62.1% | $4,321-77.0% | $2,589-61.6% |
| Participant deferral / active EE | $3,583 | $4,436-19.2% | $5,820-38.4% | $4,291-16.5% |
| Admin fee / account holder | $434 | $1,727-74.9% | $10,600-95.9% | $1,588-72.7% |