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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH PIERCE FENNER SMITH Service code 27 · EIN 13-5674085 | Advisory (Plan) | $34,156 |
Filed as: GREAT-WEST LIFE & ANNUITY INS. CO. Service code 15 · EIN 84-0467907 | Recordkeeping | $4,379 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,412 | $44,714-0.7% | $91,227-51.3% | $66,949-33.7% |
| Participation rate | 27.5% | 65.0%-37.5pp | 73.2%-45.7pp | 69.8%-42.3pp |
| Annual return | -16.00% | -12.25%-3.7pp | 114.14%-130.1pp | 1.57%-17.6pp |
| Employer contribution / active EE | $781 | $1,710-54.3% | $2,851-72.6% | $2,545-69.3% |
| Participant deferral / active EE | $1,235 | $3,355-63.2% | $4,234-70.8% | $4,239-70.9% |
| Admin fee / account holder | $993 | $521+90.5% | $5,423-81.7% | $594+67.2% |