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| Provider | Service type | Compensation |
|---|---|---|
Service code 17 · EIN 13-5674085 | Pension Consulting | $21,640 |
Filed as: MERRILL LYNCH PIERCE FENNER & SMIH Service code 17 · EIN 13-5674085 | Pension Consulting | $0 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $79,905 | $71,523+11.7% | $98,461-18.8% | $71,511+11.7% |
| Participation rate | 98.4% | 72.7%+25.7pp | 75.2%+23.2pp | 67.9%+30.5pp |
| Annual return | 14.85% | 32.43%-17.6pp | 21.17%-6.3pp | 28.86%-14.0pp |
| Employer contribution / active EE | $6,056 | $2,399+152.4% | $3,049+98.7% | $2,589+133.9% |
| Participant deferral / active EE | $8,616 | $4,109+109.7% | $4,738+81.8% | $4,291+100.8% |
| Admin fee / account holder | $375 | $1,676-77.6% | $8,961-95.8% | $1,588-76.4% |