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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $58,809 |
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.
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 | $120,797 | $73,823+63.6% | $379,746-68.2% | $73,493+64.4% |
| Participation rate | 81.1% | 73.1%+7.9pp | 78.4%+2.6pp | 70.7%+10.4pp |
| Annual return | 7.98% | 29.06%-21.1pp | 34.90%-26.9pp | 28.51%-20.5pp |
| Employer contribution / active EE | $2,222 | $2,472-10.1% | $3,540-37.2% | $2,270-2.1% |
| Participant deferral / active EE | $3,814 | $4,038-5.6% | $6,024-36.7% | $3,740+2.0% |
| Admin fee / account holder | $411 | $607-32.4% | $7,927-94.8% | $513-20.0% |