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| Provider | Service type | Compensation |
|---|---|---|
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $68,125 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $142,113 | $80,332+76.9% | $107,187+32.6% | $64,097+121.7% |
| Participation rate | 61.4% | 54.4%+7.0pp | 75.0%-13.6pp | 55.2%+6.2pp |
| Annual return | 16.02% | 24.26%-8.2pp | 204.55%-188.5pp | 34.64%-18.6pp |
| Employer contribution / active EE | $2,400 | $2,501-4.1% | $3,782-36.6% | $1,891+26.9% |
| Participant deferral / active EE | $4,257 | $3,109+36.9% | $5,096-16.5% | $3,080+38.2% |
| Admin fee / account holder | $537 | $4,314-87.6% | $9,162-94.1% | $3,454-84.5% |