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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $8,970 |
ASCENSUS LLC4 years Service code 15 · EIN 11-3665754 | Recordkeeping | $8,536 |
Filed as: MERRILL LYNCH,PIERCE,FENNER & SMITH Service code 50 · EIN 13-5674085 | Direct Payment | $8,470 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $88,186 | $61,166+44.2% | $185,849-52.5% | $79,391+11.1% |
| Participation rate | 35.2% | 66.6%-31.4pp | 81.7%-46.5pp | 70.7%-35.5pp |
| Annual return | 15.14% | 19.45%-4.3pp | 122.10%-107.0pp | 116.88%-101.7pp |
| Employer contribution / active EE | $468 | $2,321-79.8% | $5,169-90.9% | $2,428-80.7% |
| Participant deferral / active EE | $866 | $2,789-69.0% | $5,569-84.5% | $4,046-78.6% |
| Admin fee / account holder | $306 | $710-56.9% | $16,244-98.1% | $627-51.2% |