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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $12,747 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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.
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 | $49,981 | $55,636-10.2% | $81,982-39.0% | $73,497-32.0% |
| Participation rate | 48.4% | 62.3%-13.9pp | 69.3%-20.8pp | 70.7%-22.3pp |
| Annual return | 9.51% | 19.07%-9.6pp | 41.31%-31.8pp | 28.51%-19.0pp |
| Employer contribution / active EE | $255 | $1,625-84.3% | $2,498-89.8% | $2,270-88.8% |
| Participant deferral / active EE | $1,813 | $2,762-34.4% | $3,722-51.3% | $3,740-51.5% |
| Admin fee / account holder | $334 | $493-32.2% | $5,665-94.1% | $513-34.8% |