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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC6+ years Service code 15 · EIN 11-3665754 | Recordkeeping | $7,403 |
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $7,287 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,948 | $73,638-15.9% | $95,964-35.4% | $73,497-15.7% |
| Participation rate | 44.4% | 76.2%-31.8pp | 77.1%-32.7pp | 70.7%-26.3pp |
| Annual return | 16.23% | 16.78%-0.5pp | 91.64%-75.4pp | 28.51%-12.3pp |
| Employer contribution / active EE | $717 | $1,863-61.5% | $2,541-71.8% | $2,270-68.4% |
| Participant deferral / active EE | $1,899 | $3,617-47.5% | $4,167-54.4% | $3,740-49.2% |
| Admin fee / account holder | $144 | $482-70.1% | $6,797-97.9% | $513-71.9% |