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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $3,389 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $573 |
Filed as: WILSHIRE ASSOCIATES INC. Service code 26 · EIN 95-2755361 | Advisory (Participants) | $489 |
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.)
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $65,687 | $63,114+4.1% | $92,909-29.3% | $65,185+0.8% |
| Participation rate | 27.2% | 68.8%-41.6pp | 76.0%-48.8pp | 70.2%-43.0pp |
| Annual return | 16.89% | 28.75%-11.9pp | 109.44%-92.5pp | 29.38%-12.5pp |
| Employer contribution / active EE | $0 | $2,571-100.0% | $3,653-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,299 | $3,108-58.2% | $4,238-69.3% | $3,514-63.0% |
| Admin fee / account holder | $530 | $624-14.9% | $5,795-90.8% | $847-37.4% |