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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $32,779 |
ASCENSUS LLC3 years Service code 15 · EIN 11-3665754 | Recordkeeping | $13,602 |
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.)
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 | $75,002 | $73,019+2.7% | $90,766-17.4% | $68,490+9.5% |
| Participation rate | 61.1% | 70.8%-9.8pp | 75.7%-14.6pp | 67.9%-6.8pp |
| Annual return | -14.60% | -13.81%-0.8pp | -12.16%-2.4pp | -7.85%-6.7pp |
| Employer contribution / active EE | $891 | $2,193-59.4% | $2,922-69.5% | $2,597-65.7% |
| Participant deferral / active EE | $3,302 | $3,626-9.0% | $4,565-27.7% | $4,028-18.0% |
| Admin fee / account holder | $573 | $5,897-90.3% | $8,446-93.2% | $5,403-89.4% |