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| Provider | Service type | Compensation |
|---|---|---|
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Service code 21 · EIN 13-5674085 | Bank Trustee | $1,205,999 |
THE BANK OF NEW YORK MELLON10+ years Filed as: BANK OF AMERICA Service code 21 · EIN 94-1687665 | Bank Trustee | $112,433 |
CONRAD SIEGEL10+ years Filed as: CONRAD SIEGEL ACTUARIES Service code 15 · EIN 23-1669823 | Recordkeeping | $46,348 |
AB FUNDS3 years Filed as: ALLIANCEBERNSTEIN LP Service code 28 1345 AVENUE OF AMERICAS · NEW YORK, NY 10105 | Investment Management | $0 |
BLACKROCK10+ years Filed as: BLACKROCK ADVISORS LLC Service code 28 · EIN 51-0318674 | Investment Management | $0 |
BLACKROCK7 years Filed as: BLACKROCK FUND ADVISORS Service code 28 · EIN 51-0318674 | Investment Management | $0 |
THE BANK OF NEW YORK MELLON6 years Filed as: BNY MELLON FUND ADVISERS Service code 28 | Investment Management | $0 |
THE BANK OF NEW YORK MELLON6 years Filed as: BNY MELLON FUND ADVISORS Service code 28 240 GREENWICH STREET · NEW YORK, NY 10286 | Investment Management | $0 |
AMERICAN FUNDS7 years Filed as: CAPITAL RESEARCH AND COMPANY Service code 28 · EIN 95-1411037 | Investment Management | $0 |
AMERICAN FUNDS10+ years Filed as: CAPITAL RESEARCH AND MANAGEMENT COM Service code 28 | Investment Management | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $515,062 | $106,247+384.8% | $147,096+250.2% | $77,714+562.8% |
| Participation rate | 100.0% | 78.4%+21.6pp | 82.2%+17.8pp | 70.6%+29.4pp |
| Annual return | 13.90% | 56.87%-43.0pp | 419.75%-405.8pp | 31.26%-17.4pp |
| Employer contribution / active EE | $24,033 | $4,069+490.6% | $4,936+386.9% | $2,727+781.4% |
| Participant deferral / active EE | $10,430 | $7,996+30.4% | $8,071+29.2% | $4,649+124.3% |
| Admin fee / account holder | $2,497 | $338+638.2% | $13,005-80.8% | $433+476.4% |