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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $158,449 |
PLANTE & MORAN, PLLC5 years Service code 70 · EIN 38-1357951 | Consulting Fees | $31,925 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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.
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 | $23,892 | $99,201-75.9% | $96,544-75.3% | $74,473-67.9% |
| Participation rate | 0.0% | 80.7%-80.7pp | 76.0%-76.0pp | 70.7%-70.7pp |
| Annual return | 13.47% | 22.40%-8.9pp | 25.88%-12.4pp | 34.36%-20.9pp |
| Employer contribution / active EE | $2,278 | $2,570-11.4% | $2,966-23.2% | $2,638-13.7% |
| Participant deferral / active EE | $5,747 | $4,938+16.4% | $4,851+18.5% | $4,530+26.9% |
| Admin fee / account holder | $193 | $225-14.4% | $8,254-97.7% | $347-44.5% |