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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $27,841 |
ASCENSUS LLC7 years Service code 15 · EIN 11-3665754 | Recordkeeping | $18,269 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,968 | $88,117-33.1% | $164,928-64.2% | $74,400-20.7% |
| Participation rate | 85.1% | 73.1%+12.0pp | 78.6%+6.5pp | 67.2%+17.9pp |
| Annual return | 10.53% | 17.27%-6.7pp | 70.08%-59.6pp | 1367.51%-1357.0pp |
| Employer contribution / active EE | $2,442 | $2,596-5.9% | $4,343-43.8% | $2,624-6.9% |
| Participant deferral / active EE | $3,887 | $4,501-13.7% | $6,034-35.6% | $4,348-10.6% |
| Admin fee / account holder | $366 | $2,230-83.6% | $12,684-97.1% | $1,944-81.2% |