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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILLY LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $22,597 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $3,879 |
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.
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 | $36,755 | $83,090-55.8% | $130,062-71.7% | $71,529-48.6% |
| Participation rate | 40.0% | 74.1%-34.1pp | 78.5%-38.5pp | 67.9%-27.9pp |
| Annual return | 11.02% | 20.61%-9.6pp | -137.37%+148.4pp | 28.97%-17.9pp |
| Employer contribution / active EE | $223 | $2,624-91.5% | $4,322-94.9% | $2,590-91.4% |
| Participant deferral / active EE | $2,225 | $4,436-49.8% | $5,821-61.8% | $4,291-48.2% |
| Admin fee / account holder | $452 | $1,727-73.8% | $10,601-95.7% | $1,588-71.5% |