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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 27 · EIN 13-5674085 | Advisory (Plan) | $53,502 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,897 | $52,967-13.3% | $172,753-73.4% | $65,186-29.6% |
| Participation rate | 53.8% | 66.2%-12.4pp | 82.6%-28.9pp | 70.2%-16.4pp |
| Annual return | 25.01% | 30.12%-5.1pp | 803.00%-778.0pp | 29.39%-4.4pp |
| Employer contribution / active EE | $1,070 | $2,190-51.2% | $5,144-79.2% | $2,177-50.9% |
| Participant deferral / active EE | $1,919 | $2,471-22.3% | $5,198-63.1% | $3,514-45.4% |
| Admin fee / account holder | $399 | $472-15.4% | $13,956-97.1% | $847-52.9% |