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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $84,815 |
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.
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $350,092 | $101,591+244.6% | $147,096+138.0% | $74,429+370.4% |
| Participation rate | 95.1% | 75.5%+19.6pp | 82.2%+13.0pp | 67.2%+27.9pp |
| Annual return | 12.00% | 8746.45%-8734.5pp | 419.75%-407.7pp | 1368.38%-1356.4pp |
| Employer contribution / active EE | $19,479 | $3,813+410.9% | $4,936+294.6% | $2,625+642.1% |
| Participant deferral / active EE | $4,100 | $7,302-43.9% | $8,071-49.2% | $4,348-5.7% |
| Admin fee / account holder | $677 | $1,750-61.3% | $13,005-94.8% | $1,944-65.2% |