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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER Service code 52 | Indirect Investment Fees | $6,407 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,438 | $44,425-40.5% | $67,834-61.0% | $55,167-52.1% |
| Participation rate | 24.5% | 59.7%-35.2pp | 68.8%-44.3pp | 69.0%-44.5pp |
| Annual return | 9.86% | 17.80%-7.9pp | 138.47%-128.6pp | 169.23%-159.4pp |
| Employer contribution / active EE | $1,527 | $1,351+13.0% | $2,403-36.5% | $1,963-22.2% |
| Participant deferral / active EE | $1,907 | $2,166-11.9% | $3,160-39.6% | $3,054-37.6% |
| Admin fee / account holder | $17 | $530-96.9% | $4,622-99.6% | $504-96.7% |