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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 | $88,203-8.8% | $165,100-51.3% | $74,478+8.0% |
| Participation rate | 53.0% | 73.1%-20.1pp | 78.6%-25.6pp | 67.2%-14.2pp |
| Annual return | 15.09% | 17.13%-2.0pp | 70.21%-55.1pp | 1370.56%-1355.5pp |
| Employer contribution / active EE | $683 | $2,601-73.7% | $4,348-84.3% | $2,626-74.0% |
| Participant deferral / active EE | $3,617 | $4,505-19.7% | $6,035-40.1% | $4,350-16.9% |
| Admin fee / account holder | $430 | $2,235-80.7% | $12,696-96.6% | $1,946-77.9% |