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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $22,164 |
ASCENSUS LLC3 years Service code 15 · EIN 11-3665754 | Recordkeeping | $2,529 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $97,170 | $70,430+38.0% | $96,572+0.6% | $85,851+13.2% |
| Participation rate | 73.4% | 61.8%+11.6pp | 69.8%+3.6pp | 69.3%+4.1pp |
| Annual return | 162.86% | 18.58%+144.3pp | 37.79%+125.1pp | 318.63%-155.8pp |
| Employer contribution / active EE | $1,155 | $1,413-18.3% | $2,357-51.0% | $2,565-55.0% |
| Participant deferral / active EE | $2,277 | $2,894-21.3% | $3,850-40.8% | $3,952-42.4% |
| Admin fee / account holder | $301 | $4,996-94.0% | $6,183-95.1% | $6,261-95.2% |