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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $72,569 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 | Recordkeeping | $31,475 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $174,760 | $122,239+43.0% | $184,200-5.1% | $74,546+134.4% |
| Participation rate | 79.7% | 85.5%-5.8pp | 86.8%-7.2pp | 67.2%+12.5pp |
| Annual return | 19.44% | 19.95%-0.5pp | 28.80%-9.4pp | 1366.03%-1346.6pp |
| Employer contribution / active EE | $0 | $4,537-100.0% | $6,424-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $13,136 | $7,139+84.0% | $9,132+43.8% | $4,347+202.1% |
| Admin fee / account holder | $437 | $1,260-65.3% | $13,907-96.9% | $1,944-77.5% |