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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 17 · EIN 13-5674085 | Pension Consulting | $41,529 |
Service code 13 · EIN 42-0127290 | Contract Administrator | $35,727 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $99,959 | $89,652+11.5% | $141,191-29.2% | $65,185+53.3% |
| Participation rate | 92.8% | 74.7%+18.1pp | 82.5%+10.3pp | 70.2%+22.6pp |
| Annual return | 4.34% | 32.79%-28.5pp | 71.41%-67.1pp | 29.38%-25.0pp |
| Employer contribution / active EE | $905 | $3,065-70.5% | $4,736-80.9% | $2,177-58.4% |
| Participant deferral / active EE | $7,178 | $5,691+26.1% | $6,710+7.0% | $3,514+104.3% |
| Admin fee / account holder | $319 | $569-44.0% | $10,264-96.9% | $847-62.4% |