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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $29,171 |
ASCENSUS LLC7 years Service code 15 · EIN 11-3665754 | Recordkeeping | $13,890 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $123,093 | $101,653+21.1% | $147,080-16.3% | $74,459+65.3% |
| Participation rate | 71.4% | 75.6%-4.1pp | 82.2%-10.8pp | 67.2%+4.2pp |
| Annual return | 14.85% | 8754.98%-8740.1pp | 420.17%-405.3pp | 1369.70%-1354.8pp |
| Employer contribution / active EE | $867 | $3,813-77.3% | $4,933-82.4% | $2,626-67.0% |
| Participant deferral / active EE | $6,303 | $7,304-13.7% | $8,066-21.9% | $4,350+44.9% |
| Admin fee / account holder | $350 | $1,752-80.0% | $12,989-97.3% | $1,945-82.0% |