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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC6 years Service code 15 · EIN 11-3665754 | Recordkeeping | $54,793 |
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $35,196 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $11,488 | $53,165-78.4% | $86,216-86.7% | $74,460-84.6% |
| Participation rate | 67.0% | 64.9%+2.1pp | 69.0%-2.0pp | 70.7%-3.8pp |
| Annual return | 15.27% | 22.64%-7.4pp | 1169.42%-1154.1pp | 34.38%-19.1pp |
| Employer contribution / active EE | $754 | $1,210-37.7% | $2,382-68.3% | $2,638-71.4% |
| Participant deferral / active EE | $1,328 | $3,234-59.0% | $3,986-66.7% | $4,530-70.7% |
| Admin fee / account holder | $135 | $551-75.5% | $6,853-98.0% | $348-61.2% |