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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $41,830 |
ASCENSUS LLC7 years Service code 15 · EIN 11-3665754 | Recordkeeping | $21,172 |
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 | $90,524 | $59,456+52.3% | $93,669-3.4% | $74,429+21.6% |
| Participation rate | 72.6% | 59.6%+12.9pp | 68.7%+3.9pp | 67.2%+5.4pp |
| Annual return | 13.29% | 82.00%-68.7pp | 133.59%-120.3pp | 1368.38%-1355.1pp |
| Employer contribution / active EE | $313 | $1,266-75.3% | $2,424-87.1% | $2,625-88.1% |
| Participant deferral / active EE | $4,369 | $3,052+43.2% | $4,416-1.1% | $4,348+0.5% |
| Admin fee / account holder | $315 | $3,026-89.6% | $8,291-96.2% | $1,944-83.8% |