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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $30,767 |
ASCENSUS LLC8+ years Service code 15 · EIN 11-3665754 | Recordkeeping | $3,984 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $55,318 | $65,453-15.5% | $86,698-36.2% | $66,938-17.4% |
| Participation rate | 50.8% | 75.5%-24.7pp | 76.6%-25.8pp | 69.8%-19.0pp |
| Annual return | -19.40% | -10.89%-8.5pp | 35.95%-55.4pp | 1.58%-21.0pp |
| Employer contribution / active EE | $933 | $2,154-56.7% | $2,837-67.1% | $2,545-63.3% |
| Participant deferral / active EE | $2,722 | $4,102-33.6% | $4,656-41.5% | $4,238-35.8% |
| Admin fee / account holder | $331 | $642-48.4% | $7,493-95.6% | $594-44.2% |