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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH, PIERCE, FENNER AND S Service code 15 · EIN 13-5674085 | Recordkeeping | $112,193 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,836 | $92,186-47.0% | $105,624-53.8% | $77,762-37.2% |
| Participation rate | 40.2% | 81.0%-40.8pp | 75.3%-35.0pp | 70.6%-30.4pp |
| Annual return | 10.88% | 17.83%-6.9pp | 116.20%-105.3pp | 31.27%-20.4pp |
| Employer contribution / active EE | $1,172 | $3,376-65.3% | $3,168-63.0% | $2,728-57.1% |
| Participant deferral / active EE | $1,955 | $5,395-63.8% | $5,013-61.0% | $4,651-58.0% |
| Admin fee / account holder | $301 | $219+37.4% | $10,961-97.3% | $433-30.5% |