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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $5,206 |
ASCENSUS LLC2 years Service code 15 · EIN 11-3665754 | Recordkeeping | $4,299 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $12,781 | $104,829-87.8% | $142,942-91.1% | $79,634-84.0% |
| Participation rate | 40.2% | 66.2%-25.9pp | 76.8%-36.6pp | 62.5%-22.3pp |
| Annual return | 15.96% | 15.48%+0.5pp | 113.70%-97.7pp | 36.46%-20.5pp |
| Employer contribution / active EE | $536 | $3,867-86.1% | $4,139-87.1% | $2,529-78.8% |
| Participant deferral / active EE | $1,346 | $5,222-74.2% | $7,128-81.1% | $3,835-64.9% |
| Admin fee / account holder | $63 | $887-92.9% | $12,475-99.5% | $1,002-93.7% |