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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $280,226 |
AMERICAN FUNDS1 year Filed as: NEWPORT CAPITAL GROUP Service code 70 · EIN 86-1109193 | Consulting Fees | $225,939 |
RSM US LLP4 years Service code 10 · EIN 42-0714325 | Accounting | $49,613 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $148,065 | $2,687,218-94.5% | $165,071-10.3% | $199,960-26.0% |
| Participation rate | 25.3% | 78.3%-53.0pp | 78.6%-53.3pp | 72.0%-46.7pp |
| Annual return | 17.35% | 17.94%-0.6pp | 70.17%-52.8pp | 34.28%-16.9pp |
| Employer contribution / active EE | $983 | $2,958-66.8% | $4,347-77.4% | $3,036-67.6% |
| Participant deferral / active EE | $2,096 | $5,002-58.1% | $6,035-65.3% | $5,087-58.8% |
| Admin fee / account holder | $965 | $1,988-51.5% | $12,695-92.4% | $269+258.3% |