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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $73,902 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $54,906 | $65,453-16.1% | $86,698-36.7% | $66,938-18.0% |
| Participation rate | 65.7% | 75.5%-9.8pp | 76.6%-10.9pp | 69.8%-4.1pp |
| Annual return | -17.94% | -10.89%-7.1pp | 35.95%-53.9pp | 1.58%-19.5pp |
| Employer contribution / active EE | $1,445 | $2,154-32.9% | $2,837-49.1% | $2,545-43.2% |
| Participant deferral / active EE | $2,974 | $4,102-27.5% | $4,656-36.1% | $4,238-29.8% |
| Admin fee / account holder | $339 | $642-47.2% | $7,493-95.5% | $594-42.9% |