Sign up free to preview peer percentile detail
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview 10-year trajectory
Free accounts unlock saves, downloads, and 3-year history.
| 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 | $79,223+5.6% | $102,460-18.4% | $74,478+12.3% |
| Participation rate | 48.4% | 74.8%-26.4pp | 76.5%-28.1pp | 67.2%-18.9pp |
| Annual return | 15.95% | 54.98%-39.0pp | 29.47%-13.5pp | 1370.56%-1354.6pp |
| Employer contribution / active EE | $1,223 | $2,363-48.2% | $3,025-59.6% | $2,626-53.4% |
| Participant deferral / active EE | $3,371 | $4,417-23.7% | $5,056-33.3% | $4,350-22.5% |
| Admin fee / account holder | $430 | $2,003-78.5% | $9,460-95.5% | $1,946-77.9% |