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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $6,014 |
BUTZEL LONG1 year Service code 10 · EIN 38-2384883 | Accounting | $5,269 |
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 | $71,634 | $67,512+6.1% | $185,851-61.5% | $93,010-23.0% |
| Participation rate | 51.9% | 67.1%-15.3pp | 81.7%-29.9pp | 73.9%-22.0pp |
| Annual return | 10.62% | 21.04%-10.4pp | 122.11%-111.5pp | 158.70%-148.1pp |
| Employer contribution / active EE | $0 | $1,783-100.0% | $5,168-100.0% | $2,705-100.0% |
| Participant deferral / active EE | $2,990 | $3,035-1.5% | $5,569-46.3% | $4,561-34.4% |
| Admin fee / account holder | $10 | $318-96.8% | $16,245-99.9% | $152-93.3% |