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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 | $54,729-27.2% | $86,235-53.8% | $71,529-44.3% |
| Participation rate | 84.2% | 60.1%+24.1pp | 69.0%+15.2pp | 67.9%+16.2pp |
| Annual return | 10.94% | 20.07%-9.1pp | 1170.03%-1159.1pp | 28.97%-18.0pp |
| Employer contribution / active EE | $1,442 | $1,267+13.8% | $2,381-39.4% | $2,590-44.3% |
| Participant deferral / active EE | $4,046 | $3,110+30.1% | $3,987+1.5% | $4,291-5.7% |
| Admin fee / account holder | $303 | $1,921-84.2% | $6,856-95.6% | $1,588-80.9% |