Filed September 10, 2002
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH - EPS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $22,822 |
Filed as: MERRILL LYNCH - FAS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $10,650 |
ASCENSUS LLC3 years Filed as: FUTUREPLAN BY ASCENSUS - QBI Service code 15 · EIN 82-3719843 | Recordkeeping | $1,316 |
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.
Employer 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.)
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 | $84,079 | $92,186-8.8% | $105,624-20.4% | $77,762+8.1% |
| Participation rate | 42.5% | 81.0%-38.6pp | 75.3%-32.8pp | 70.6%-28.1pp |
| Annual return | 13.74% | 17.83%-4.1pp | 116.20%-102.5pp | 31.27%-17.5pp |
| Employer contribution / active EE | $222 | $3,376-93.4% | $3,168-93.0% | $2,728-91.9% |
| Participant deferral / active EE | $2,121 | $5,395-60.7% | $5,013-57.7% | $4,651-54.4% |
| Admin fee / account holder | $510 | $219+132.6% | $10,961-95.4% | $433+17.7% |