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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH - EPS Service code 26 · EIN 13-5674085 150 N. COLLEGE ST. · CHAROLOTTE, NC 28255 | Advisory (Participants) | $853 |
Filed as: MERRILL LYNCH - FAS Service code 26 · EIN 13-5674085 150 N. COLLEGE ST. · CHARLOTTE, NC 28255 | Advisory (Participants) | $853 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $75 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $29,165 | $98,982-70.5% | $162,177-82.0% | $65,185-55.3% |
| Participation rate | 23.3% | 85.8%-62.5pp | 87.6%-64.3pp | 70.2%-46.9pp |
| Annual return | 23.40% | 24.84%-1.4pp | 115.60%-92.2pp | 29.38%-6.0pp |
| Employer contribution / active EE | $0 | $3,467-100.0% | $5,613-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $1,820 | $5,384-66.2% | $7,297-75.1% | $3,514-48.2% |
| Admin fee / account holder | $186 | $596-68.8% | $10,843-98.3% | $847-78.1% |