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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER Service code 27 · EIN 13-5674085 4 WORLD FINANCIAL CENTER · NEW YORK, NY 10281 | Advisory (Plan) | $11,277 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $21,190 | $54,573-61.2% | $90,970-76.7% | $73,497-71.2% |
| Participation rate | 80.9% | 61.2%+19.7pp | 69.0%+11.9pp | 70.7%+10.2pp |
| Annual return | 16.51% | 16.69%-0.2pp | 134.60%-118.1pp | 28.51%-12.0pp |
| Employer contribution / active EE | $346 | $991-65.1% | $2,122-83.7% | $2,270-84.8% |
| Participant deferral / active EE | $1,191 | $2,517-52.7% | $3,373-64.7% | $3,740-68.2% |
| Admin fee / account holder | $67 | $521-87.1% | $5,961-98.9% | $513-86.9% |