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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 19 · EIN 13-5674085 | Securities Custodian | $102,246 |
Service code 15 · EIN 13-3689044 | Recordkeeping | $13,601 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $1,135,680 | $77,816+1359.4% | $123,552+819.2% | $64,173+1669.7% |
| Participation rate | 0.0% | 74.7%-74.7pp | 82.3%-82.3pp | 69.6%-69.6pp |
| Annual return | -6.81% | 12.49%-19.3pp | 119.20%-126.0pp | 7.63%-14.4pp |
| Employer contribution / active EE | $3,641 | $3,014+20.8% | $4,628-21.3% | $2,381+52.9% |
| Participant deferral / active EE | $2,900 | $5,240-44.7% | $6,426-54.9% | $3,470-16.4% |
| Admin fee / account holder | $9,391 | $5,519+70.2% | $9,285+1.1% | $4,887+92.1% |