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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.
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $350,092 | $101,317+245.5% | $146,958+138.2% | $74,495+370.0% |
| Participation rate | 95.1% | 75.5%+19.6pp | 82.2%+13.0pp | 67.2%+27.9pp |
| Annual return | 12.00% | 8730.91%-8718.9pp | 418.34%-406.3pp | 1364.94%-1352.9pp |
| Employer contribution / active EE | $19,479 | $3,810+411.2% | $4,933+294.9% | $2,623+642.6% |
| Participant deferral / active EE | $4,100 | $7,303-43.9% | $8,070-49.2% | $4,346-5.7% |
| Admin fee / account holder | $677 | $1,739-61.1% | $12,998-94.8% | $1,942-65.2% |