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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $1,019 |
Filed as: MERRILL LYNCH PIERCE FENNER & SMIT Service code 61 · EIN 13-5674085 | Finders' fees / placement fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $44,009 | $88,324-50.2% | $115,038-61.7% | $55,191-20.3% |
| Participation rate | 16.3% | 72.5%-56.3pp | 81.4%-65.1pp | 69.2%-52.9pp |
| Annual return | -1.35% | 6.30%-7.6pp | 26.14%-27.5pp | 10.78%-12.1pp |
| Employer contribution / active EE | $0 | $2,805-100.0% | $4,608-100.0% | $1,899-100.0% |
| Participant deferral / active EE | $2,755 | $5,042-45.4% | $6,026-54.3% | $3,046-9.6% |
| Admin fee / account holder | $10 | $105-90.5% | $8,175-99.9% | $91-89.0% |