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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH LIFE AGENCY Service code 53 1400 MERRILL LYNCH DR · PENNINGTON, NJ 08534 | Insurance Commissions | $6,553 |
Filed as: DYATECH LLC Service code 15 · EIN 64-0936213 | Recordkeeping | $670 |
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 53 1400 MERRILL LYNCH DR · PENNINGTON, NJ 08534 | Insurance Commissions | $443 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $9,249 | $63,905-85.5% | $74,184-87.5% | $57,658-84.0% |
| Participation rate | 63.5% | 79.8%-16.2pp | 76.6%-13.1pp | 70.2%-6.7pp |
| Annual return | 10.01% | 60.60%-50.6pp | 17.74%-7.7pp | 5.13%+4.9pp |
| Employer contribution / active EE | $1,696 | $1,840-7.8% | $2,370-28.4% | $1,974-14.1% |
| Participant deferral / active EE | $787 | $3,448-77.2% | $3,550-77.8% | $3,061-74.3% |
| Admin fee / account holder | $23 | $91-75.1% | $5,586-99.6% | $95-76.0% |