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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $59,256 |
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 | $94,938 | $83,045+14.3% | $130,045-27.0% | $71,511+32.8% |
| Participation rate | 73.8% | 74.1%-0.3pp | 78.5%-4.7pp | 67.9%+5.9pp |
| Annual return | 16.56% | 20.61%-4.1pp | -137.30%+153.9pp | 28.86%-12.3pp |
| Employer contribution / active EE | $0 | $2,623-100.0% | $4,321-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $4,717 | $4,436+6.3% | $5,820-19.0% | $4,291+9.9% |
| Admin fee / account holder | $385 | $1,727-77.7% | $10,600-96.4% | $1,588-75.8% |