Filed June 23, 2025 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $35,858 |
ASCENSUS LLC5 years Service code 15 · EIN 11-3665754 | Recordkeeping | $25,784 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,377 | $81,948-26.3% | $90,766-33.5% | $64,824-6.9% |
| Participation rate | 62.3% | 80.5%-18.2pp | 75.7%-13.4pp | 71.5%-9.2pp |
| Annual return | -14.33% | -12.53%-1.8pp | -12.16%-2.2pp | 32.84%-47.2pp |
| Employer contribution / active EE | $1,112 | $3,067-63.8% | $2,922-62.0% | $2,507-55.7% |
| Participant deferral / active EE | $2,398 | $4,844-50.5% | $4,565-47.5% | $4,311-44.4% |
| Admin fee / account holder | $261 | $157+66.3% | $8,446-96.9% | $188+39.1% |