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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $16,010 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,534 | $72,620-19.4% | $90,756-35.5% | $66,930-12.5% |
| Participation rate | 58.8% | 73.7%-14.9pp | 75.7%-16.9pp | 69.8%-11.0pp |
| Annual return | -20.31% | -12.28%-8.0pp | -12.16%-8.2pp | 1.57%-21.9pp |
| Employer contribution / active EE | $586 | $2,369-75.3% | $2,922-79.9% | $2,545-77.0% |
| Participant deferral / active EE | $3,236 | $3,979-18.7% | $4,565-29.1% | $4,238-23.6% |
| Admin fee / account holder | $586 | $707-17.1% | $8,445-93.1% | $593-1.2% |