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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $59,136 |
Filed as: CBIZ CPAS P.C. Service code 50 12993 COLLECTIONS CENTER DR · CHICAGO, IL 60693 | Direct Payment | $8,400 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $20,446 | $29,507-30.7% | $56,025-63.5% | $77,762-73.7% |
| Participation rate | 51.4% | 32.7%+18.7pp | 52.5%-1.1pp | 70.6%-19.2pp |
| Annual return | 10.24% | 18.90%-8.7pp | 1712.69%-1702.5pp | 31.27%-21.0pp |
| Employer contribution / active EE | $0 | $570-100.0% | $1,042-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $584 | $1,062-45.0% | $1,955-70.1% | $4,651-87.5% |
| Admin fee / account holder | $157 | $1,041-84.9% | $2,828-94.4% | $433-63.7% |