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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 | $83,019-14.0% | $130,014-45.1% | $71,476-0.1% |
| Participation rate | 52.7% | 74.1%-21.3pp | 78.5%-25.7pp | 67.9%-15.2pp |
| Annual return | 14.63% | 20.60%-6.0pp | -137.22%+151.8pp | 28.85%-14.2pp |
| Employer contribution / active EE | $575 | $2,623-78.1% | $4,320-86.7% | $2,589-77.8% |
| Participant deferral / active EE | $3,065 | $4,434-30.9% | $5,821-47.3% | $4,290-28.6% |
| Admin fee / account holder | $413 | $1,728-76.1% | $10,616-96.1% | $1,587-74.0% |