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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $21,287 |
Filed as: MERRILL LYNCH - EPS Service code 26 · EIN 13-5674085 150 N. COLLEGE ST. · CHARLOTTE, NC 28202 | Advisory (Participants) | $17,844 |
Filed as: MERRILL LYNCH - FAS Service code 26 · EIN 13-5674085 150 N. COLLEGE ST. · CHARLOTTE, NC 28202 | Advisory (Participants) | $13,383 |
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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $26,402 | $91,439-71.1% | $135,974-80.6% | $71,511-63.1% |
| Participation rate | 73.3% | 75.7%-2.3pp | 81.9%-8.6pp | 67.9%+5.4pp |
| Annual return | 23.97% | 29.90%-5.9pp | 68.30%-44.3pp | 28.86%-4.9pp |
| Employer contribution / active EE | $553 | $3,705-85.1% | $4,859-88.6% | $2,589-78.6% |
| Participant deferral / active EE | $4,351 | $7,093-38.7% | $7,760-43.9% | $4,291+1.4% |
| Admin fee / account holder | $394 | $1,267-68.9% | $10,767-96.3% | $1,588-75.2% |