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) | $30,827 |
ASCENSUS LLC9+ years Service code 15 · EIN 11-3665754 | Recordkeeping | $3,227 |
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).
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 | $71,439 | $76,112-6.1% | $96,534-26.0% | $71,511-0.1% |
| Participation rate | 49.6% | 74.4%-24.8pp | 76.0%-26.4pp | 67.9%-18.3pp |
| Annual return | 19.74% | 22.81%-3.1pp | 25.88%-6.1pp | 28.86%-9.1pp |
| Employer contribution / active EE | $1,068 | $2,248-52.5% | $2,965-64.0% | $2,589-58.7% |
| Participant deferral / active EE | $3,265 | $4,217-22.6% | $4,851-32.7% | $4,291-23.9% |
| Admin fee / account holder | $321 | $2,708-88.1% | $8,253-96.1% | $1,588-79.8% |