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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $32,672 |
ASCENSUS LLC8 years Service code 15 · EIN 11-3665754 | Recordkeeping | $14,642 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $147,996 | $88,360+67.5% | $145,433+1.8% | $67,986+117.7% |
| Participation rate | 68.5% | 65.5%+3.0pp | 82.1%-13.7pp | 57.2%+11.3pp |
| Annual return | 12.26% | 63.15%-50.9pp | 66.58%-54.3pp | 31.67%-19.4pp |
| Employer contribution / active EE | $815 | $3,054-73.3% | $4,554-82.1% | $2,019-59.6% |
| Participant deferral / active EE | $5,903 | $5,932-0.5% | $7,897-25.2% | $3,358+75.8% |
| Admin fee / account holder | $408 | $3,313-87.7% | $13,129-96.9% | $3,203-87.3% |