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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $36,622 |
ASCENSUS LLC10+ years Service code 15 · EIN 11-3665754 | Recordkeeping | $5,106 |
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.)
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $83,625 | $79,181+5.6% | $102,423-18.4% | $74,429+12.4% |
| Participation rate | 48.4% | 74.8%-26.4pp | 76.5%-28.1pp | 67.2%-18.9pp |
| Annual return | 15.95% | 54.97%-39.0pp | 29.42%-13.5pp | 1368.38%-1352.4pp |
| Employer contribution / active EE | $1,223 | $2,362-48.2% | $3,023-59.5% | $2,625-53.4% |
| Participant deferral / active EE | $3,371 | $4,416-23.7% | $5,054-33.3% | $4,348-22.5% |
| Admin fee / account holder | $430 | $2,002-78.5% | $9,455-95.4% | $1,944-77.9% |