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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $63,709 |
MONNIER & CO3 years Filed as: MONNIER & CO. Service code 10 · EIN 34-1236295 | Accounting | $12,875 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $248,727 | $65,453+280.0% | $86,698+186.9% | $66,938+271.6% |
| Participation rate | 66.0% | 75.5%-9.5pp | 76.6%-10.6pp | 69.8%-3.9pp |
| Annual return | -14.03% | -10.89%-3.1pp | 35.95%-50.0pp | 1.58%-15.6pp |
| Employer contribution / active EE | $8,347 | $2,154+287.5% | $2,837+194.2% | $2,545+227.9% |
| Participant deferral / active EE | $0 | $4,102-100.0% | $4,656-100.0% | $4,238-100.0% |
| Admin fee / account holder | $774 | $642+20.5% | $7,493-89.7% | $594+30.3% |