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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $67,361 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $95,791 | $88,137+8.7% | $164,975-41.9% | $74,429+28.7% |
| Participation rate | 78.7% | 73.1%+5.6pp | 78.6%+0.1pp | 67.2%+11.5pp |
| Annual return | 10.86% | 17.13%-6.3pp | 70.12%-59.3pp | 1368.38%-1357.5pp |
| Employer contribution / active EE | $4 | $2,597-99.8% | $4,343-99.9% | $2,625-99.8% |
| Participant deferral / active EE | $4,848 | $4,501+7.7% | $6,033-19.6% | $4,348+11.5% |
| Admin fee / account holder | $383 | $2,231-82.8% | $12,688-97.0% | $1,944-80.3% |