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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC6 years Service code 15 · EIN 11-3665754 | Recordkeeping | $20,103 |
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $15,853 |
Service code 13 · EIN 35-1140070 | Contract Administrator | $1,000 |
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.
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 | $39,846 | $54,701-27.2% | $86,200-53.8% | $71,476-44.3% |
| Participation rate | 84.2% | 60.1%+24.1pp | 69.0%+15.2pp | 67.9%+16.2pp |
| Annual return | 10.94% | 20.06%-9.1pp | 1168.58%-1157.6pp | 28.85%-17.9pp |
| Employer contribution / active EE | $1,442 | $1,265+14.0% | $2,381-39.4% | $2,589-44.3% |
| Participant deferral / active EE | $4,046 | $3,108+30.2% | $3,986+1.5% | $4,290-5.7% |
| Admin fee / account holder | $303 | $1,922-84.2% | $6,853-95.6% | $1,587-80.9% |