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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH LIFE AGENCY Service code 26 · EIN 13-5674085 | Advisory (Participants) | $12,479 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $2,760 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,745 | $59,006-20.8% | $97,295-52.0% | $74,478-37.2% |
| Participation rate | 37.4% | 63.7%-26.3pp | 72.7%-35.3pp | 67.2%-29.8pp |
| Annual return | 14.10% | 16.04%-1.9pp | 75.62%-61.5pp | 1370.56%-1356.5pp |
| Employer contribution / active EE | $475 | $1,894-74.9% | $2,723-82.5% | $2,626-81.9% |
| Participant deferral / active EE | $2,910 | $3,671-20.7% | $4,264-31.8% | $4,350-33.1% |
| Admin fee / account holder | $318 | $1,974-83.9% | $5,646-94.4% | $1,946-83.7% |