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| Provider | Service type | Compensation |
|---|---|---|
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Service code 52 · EIN 13-5674085 | Indirect Investment Fees | $36,015 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $20,902 |
ADP BROKER-DEALER10+ years Service code 49 · EIN 22-3319984 | Other Services | $0 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $66,631 | $73,459-9.3% | $178,528-62.7% | $74,429-10.5% |
| Participation rate | 62.9% | 66.5%-3.7pp | 77.1%-14.2pp | 67.2%-4.4pp |
| Annual return | 11.44% | 17.50%-6.1pp | 27.11%-15.7pp | 1368.38%-1356.9pp |
| Employer contribution / active EE | $498 | $2,219-77.6% | $3,950-87.4% | $2,625-81.0% |
| Participant deferral / active EE | $2,683 | $4,515-40.6% | $6,278-57.3% | $4,348-38.3% |
| Admin fee / account holder | $177 | $1,812-90.2% | $10,419-98.3% | $1,944-90.9% |