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| Provider | Service type | Compensation |
|---|---|---|
DKSS1 year Service code 10 3001 WEST BIG BEAVER · TROY, MI 480843108 | Accounting | $27,000 |
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $4,603 |
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).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $306,389 | $71,192+330.4% | $117,861+160.0% | $62,293+391.9% |
| Participation rate | 91.4% | 74.2%+17.1pp | 79.7%+11.7pp | 69.5%+21.9pp |
| Annual return | 13.29% | 18.66%-5.4pp | 335.11%-321.8pp | 28.90%-15.6pp |
| Employer contribution / active EE | $24,479 | $1,934+1165.8% | $3,786+546.5% | $2,042+1098.6% |
| Participant deferral / active EE | $5,676 | $3,189+78.0% | $4,482+26.6% | $3,169+79.1% |
| Admin fee / account holder | $307 | $587-47.7% | $8,021-96.2% | $479-35.9% |