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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $44,572 |
WRIGHT FORD YOUNG & CO1 year Service code 23 · EIN 95-3288054 | Insurance services | $10,500 |
ASCENSUS LLC1 year Filed as: FUTUREPLAN Service code 26 · EIN 82-3719843 | Advisory (Participants) | $5,590 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $3,499 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $96,911 | $45,123+114.8% | $85,240+13.7% | $74,478+30.1% |
| Participation rate | 52.0% | 49.4%+2.6pp | 67.5%-15.5pp | 67.2%-15.2pp |
| Annual return | 12.26% | 26.32%-14.1pp | 66.75%-54.5pp | 1370.56%-1358.3pp |
| Employer contribution / active EE | $2,625 | $1,459+80.0% | $2,735-4.0% | $2,6260% |
| Participant deferral / active EE | $5,030 | $2,736+83.8% | $4,527+11.1% | $4,350+15.6% |
| Admin fee / account holder | $558 | $2,215-74.8% | $6,165-91.0% | $1,946-71.3% |