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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC4 years Service code 15 · EIN 11-3665754 | Recordkeeping | $16,064 |
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $15,140 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,404 | $59,220-35.2% | $96,572-60.2% | $79,389-51.6% |
| Participation rate | 78.8% | 61.9%+16.9pp | 69.8%+9.0pp | 70.7%+8.1pp |
| Annual return | 12.71% | 27.08%-14.4pp | 37.79%-25.1pp | 116.89%-104.2pp |
| Employer contribution / active EE | $959 | $1,216-21.2% | $2,357-59.3% | $2,428-60.5% |
| Participant deferral / active EE | $3,769 | $2,948+27.8% | $3,850-2.1% | $4,046-6.9% |
| Admin fee / account holder | $312 | $659-52.6% | $6,183-95.0% | $626-50.2% |