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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 37 · EIN 13-5674085 | Loan Processing | $97,015 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $3,778 |
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 | $96,299 | $72,303+33.2% | $86,691+11.1% | $64,814+48.6% |
| Participation rate | 90.0% | 80.4%+9.6pp | 76.6%+13.4pp | 71.5%+18.6pp |
| Annual return | -13.10% | 392.77%-405.9pp | 35.94%-49.0pp | 32.84%-45.9pp |
| Employer contribution / active EE | $4,326 | $2,393+80.8% | $2,837+52.5% | $2,507+72.6% |
| Participant deferral / active EE | $5,282 | $4,660+13.4% | $4,656+13.4% | $4,310+22.5% |
| Admin fee / account holder | $302 | $174+73.5% | $7,492-96.0% | $188+60.8% |