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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $27,521 |
Filed as: MERRILL LYNCH Service code 17 · EIN 13-5674085 | Pension Consulting | $26,750 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $70,913 | $66,319+6.9% | $93,614-24.2% | $65,185+8.8% |
| Participation rate | 65.4% | 74.0%-8.6pp | 75.8%-10.4pp | 70.2%-4.8pp |
| Annual return | 16.25% | 42.59%-26.3pp | 32.76%-16.5pp | 29.38%-13.1pp |
| Employer contribution / active EE | $721 | $2,013-64.2% | $2,718-73.5% | $2,177-66.9% |
| Participant deferral / active EE | $3,222 | $3,343-3.6% | $4,069-20.8% | $3,514-8.3% |
| Admin fee / account holder | $522 | $6,900-92.4% | $7,889-93.4% | $847-38.4% |