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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $85,636 |
ASCENSUS LLC7+ years Service code 15 · EIN 11-3665754 | Recordkeeping | $0 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $80,451 | $88,087-8.7% | $164,866-51.2% | $74,546+7.9% |
| Participation rate | 53.0% | 73.1%-20.0pp | 78.6%-25.6pp | 67.2%-14.2pp |
| Annual return | 15.09% | 17.27%-2.2pp | 69.97%-54.9pp | 1366.03%-1350.9pp |
| Employer contribution / active EE | $683 | $2,595-73.7% | $4,343-84.3% | $2,624-74.0% |
| Participant deferral / active EE | $3,617 | $4,499-19.6% | $6,033-40.1% | $4,347-16.8% |
| Admin fee / account holder | $430 | $2,232-80.7% | $12,689-96.6% | $1,944-77.9% |