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| Provider | Service type | Compensation |
|---|---|---|
DKSS3 years Service code 10 · EIN 38-1944367 | Accounting | $25,500 |
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $5,906 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $62,449 | $53,204+17.4% | $155,556-59.9% | $200,096-68.8% |
| Participation rate | 53.4% | 64.1%-10.7pp | 78.2%-24.8pp | 72.0%-18.6pp |
| Annual return | 10.74% | 41.02%-30.3pp | 64.84%-54.1pp | 34.26%-23.5pp |
| Employer contribution / active EE | $0 | $1,850-100.0% | $4,675-100.0% | $3,038-100.0% |
| Participant deferral / active EE | $3,283 | $3,163+3.8% | $5,631-41.7% | $5,090-35.5% |
| Admin fee / account holder | $31 | $186-83.2% | $15,885-99.8% | $269-88.4% |