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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $58,805 |
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 | $84,687 | $86,692-2.3% | $119,634-29.2% | $66,949+26.5% |
| Participation rate | 75.3% | 75.6%-0.3pp | 79.3%-3.9pp | 69.8%+5.5pp |
| Annual return | -14.71% | -8.00%-6.7pp | -14.98%+0.3pp | 1.57%-16.3pp |
| Employer contribution / active EE | $196 | $2,536-92.3% | $4,232-95.4% | $2,545-92.3% |
| Participant deferral / active EE | $4,517 | $4,360+3.6% | $5,601-19.4% | $4,239+6.6% |
| Admin fee / account holder | $397 | $755-47.4% | $10,329-96.2% | $594-33.1% |