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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $73,000 |
ASCENSUS LLC6+ years Service code 15 · EIN 11-3665754 | Recordkeeping | $8,775 |
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 | $71,386 | $83,090-14.1% | $130,062-45.1% | $71,529-0.2% |
| Participation rate | 52.7% | 74.1%-21.4pp | 78.5%-25.8pp | 67.9%-15.2pp |
| Annual return | 14.63% | 20.61%-6.0pp | -137.37%+152.0pp | 28.97%-14.3pp |
| Employer contribution / active EE | $575 | $2,624-78.1% | $4,322-86.7% | $2,590-77.8% |
| Participant deferral / active EE | $3,065 | $4,436-30.9% | $5,821-47.3% | $4,291-28.6% |
| Admin fee / account holder | $413 | $1,727-76.1% | $10,601-96.1% | $1,588-74.0% |