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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $7,306 |
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 | $62,271 | $50,150+24.2% | $149,723-58.4% | $80,169-22.3% |
| Participation rate | 59.0% | 64.3%-5.3pp | 78.8%-19.8pp | 72.9%-14.0pp |
| Annual return | 11.79% | 29.80%-18.0pp | 134.50%-122.7pp | 40.39%-28.6pp |
| Employer contribution / active EE | $0 | $1,868-100.0% | $4,821-100.0% | $2,978-100.0% |
| Participant deferral / active EE | $3,654 | $3,195+14.4% | $5,682-35.7% | $5,016-27.2% |
| Admin fee / account holder | $5 | $153-96.5% | $13,215-100.0% | $145-96.3% |