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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER Service code 52 | Indirect Investment Fees | $7,916 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $9,614 | $56,894-83.1% | $84,753-88.7% | $62,881-84.7% |
| Participation rate | 63.4% | 68.5%-5.1pp | 76.6%-13.2pp | 69.3%-5.9pp |
| Annual return | 18.97% | 6.30%+12.7pp | 22.78%-3.8pp | 20.14%-1.2pp |
| Employer contribution / active EE | $1,842 | $2,400-23.3% | $3,574-48.5% | $2,281-19.3% |
| Participant deferral / active EE | $4,097 | $2,709+51.2% | $3,712+10.4% | $3,203+27.9% |
| Admin fee / account holder | $8 | $3,581-99.8% | $5,333-99.8% | $4,296-99.8% |