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| Provider | Service type | Compensation |
|---|---|---|
PIERCE, FENNER AND SMITH4 years Filed as: ML, PIERCE, FENNER AND SMITH Service code 19 · EIN 13-5674085 | Securities Custodian | $20,116 |
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.
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $495,725 | $73,638+573.2% | $95,960+416.6% | $73,493+574.5% |
| Participation rate | 0.0% | 76.2%-76.2pp | 77.1%-77.1pp | 70.7%-70.7pp |
| Annual return | 9.61% | 16.78%-7.2pp | 91.63%-82.0pp | 28.51%-18.9pp |
| Employer contribution / active EE | $345 | $1,863-81.5% | $2,541-86.4% | $2,270-84.8% |
| Participant deferral / active EE | $0 | $3,617-100.0% | $4,167-100.0% | $3,740-100.0% |
| Admin fee / account holder | $4,828 | $482+901.4% | $6,797-29.0% | $513+840.9% |