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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $21,202 |
Filed as: MERRILL LYNCH,PIERCE,FENNER & SMITH Service code 50 · EIN 13-5674085 | Direct Payment | $4,662 |
ASCENSUS LLC3 years Service code 15 · EIN 11-3665754 | Recordkeeping | $2,220 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $65,465 | $70,917-7.7% | $98,920-33.8% | $73,497-10.9% |
| Participation rate | 52.3% | 73.8%-21.5pp | 76.0%-23.7pp | 70.7%-18.4pp |
| Annual return | 15.93% | 34.18%-18.2pp | 196.47%-180.5pp | 28.51%-12.6pp |
| Employer contribution / active EE | $163 | $2,037-92.0% | $2,689-93.9% | $2,270-92.8% |
| Participant deferral / active EE | $1,636 | $3,501-53.3% | $4,245-61.5% | $3,740-56.3% |
| Admin fee / account holder | $312 | $535-41.7% | $6,643-95.3% | $513-39.2% |