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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH LIFE AGENCY INC Service code 49 · EIN 13-2808480 | Other Services | $48,540 |
PRINCIPAL LIFE INSURANCE COMPANY3+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $32,157 |
ELLIOTT GROUP CPAS, PLLC1 year Service code 10 · EIN 45-4771754 | Accounting | $10,000 |
Service code 49 · EIN 13-5674085 | Other Services | $4,882 |
WILSHIRE ASSOCIATES INCORPORATED3+ years Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $0 | $71,192-100.0% | $117,861-100.0% | $62,293-100.0% |
| Participation rate | 0.0% | 74.2%-74.2pp | 79.7%-79.7pp | 69.5%-69.5pp |
| Annual return | 86.55% | 18.66%+67.9pp | 335.11%-248.6pp | 28.90%+57.7pp |
| Employer contribution / active EE | $1,269 | $1,934-34.4% | $3,786-66.5% | $2,042-37.8% |
| Participant deferral / active EE | $3,331 | $3,189+4.5% | $4,482-25.7% | $3,169+5.1% |
| Admin fee / account holder | $0 | $587-100.0% | $8,021-100.0% | $479-100.0% |