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) | $33,592 |
ASCENSUS LLC6 years Service code 15 · EIN 11-3665754 | Recordkeeping | $26,914 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $71,709 | $84,784-15.4% | $98,462-27.2% | $74,473-3.7% |
| Participation rate | 66.9% | 81.5%-14.6pp | 75.2%-8.3pp | 70.7%-3.8pp |
| Annual return | 17.11% | 20.59%-3.5pp | 21.17%-4.1pp | 34.36%-17.2pp |
| Employer contribution / active EE | $1,288 | $3,364-61.7% | $3,049-57.8% | $2,638-51.2% |
| Participant deferral / active EE | $2,796 | $5,218-46.4% | $4,738-41.0% | $4,530-38.3% |
| Admin fee / account holder | $248 | $204+21.3% | $8,875-97.2% | $347-28.5% |