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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH,PIERCE,FENNER & SMITH Service code 18 · EIN 13-5674085 | Custodial (other than securities); In... | $190,976 |
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $42,109 |
ASCENSUS LLC5 years Service code 15 · EIN 11-3665754 | Recordkeeping | $19,875 |
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 | $183,082 | $65,125+181.1% | $143,797+27.3% | $66,949+173.5% |
| Participation rate | 100.0% | 65.2%+34.8pp | 80.3%+19.7pp | 69.8%+30.2pp |
| Annual return | -14.10% | -11.13%-3.0pp | -0.04%-14.1pp | 1.57%-15.7pp |
| Employer contribution / active EE | $9,807 | $2,362+315.1% | $4,952+98.0% | $2,545+285.3% |
| Participant deferral / active EE | $7,778 | $2,920+166.3% | $5,638+37.9% | $4,239+83.5% |
| Admin fee / account holder | $320 | $503-36.4% | $14,679-97.8% | $594-46.2% |