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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $11,975 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $45,951 | $47,922-4.1% | $75,900-39.5% | $65,186-29.5% |
| Participation rate | 54.2% | 63.0%-8.7pp | 69.3%-15.0pp | 70.2%-16.0pp |
| Annual return | 21.70% | 24.12%-2.4pp | 30.73%-9.0pp | 29.39%-7.7pp |
| Employer contribution / active EE | $284 | $1,557-81.8% | $2,501-88.6% | $2,177-87.0% |
| Participant deferral / active EE | $2,056 | $2,550-19.4% | $3,604-43.0% | $3,514-41.5% |
| Admin fee / account holder | $315 | $532-40.8% | $5,421-94.2% | $847-62.8% |