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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 27 · EIN 13-5674085 | Advisory (Plan) | $0 |
Employer 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,926 | $76,107-58.1% | $96,576-66.9% | $71,495-55.3% |
| Participation rate | 100.0% | 74.4%+25.6pp | 76.0%+24.0pp | 67.9%+32.1pp |
| Annual return | 4.66% | 22.81%-18.1pp | 25.87%-21.2pp | 28.85%-24.2pp |
| Employer contribution / active EE | $532 | $2,247-76.3% | $2,965-82.1% | $2,589-79.5% |
| Participant deferral / active EE | $0 | $4,218-100.0% | $4,851-100.0% | $4,291-100.0% |
| Admin fee / account holder | $335 | $2,708-87.6% | $8,253-95.9% | $1,588-78.9% |