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| Provider | Service type | Compensation |
|---|---|---|
MERRILL LYNCH PIERCE FENNER & SMITH10+ years Filed as: MERRILL LYNCH, PIERCE, FENNER Service code 27 · EIN 13-5674085 4 WORLD FINANCIAL CENTER · NEW YORK, NY 10281 | Advisory (Plan) | $36,951 |
PAYCHEX, INC.10+ years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $12,057 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $148,305 | $101,653+45.9% | $147,080+0.8% | $74,459+99.2% |
| Participation rate | 67.9% | 75.6%-7.7pp | 82.2%-14.3pp | 67.2%+0.6pp |
| Annual return | 12.71% | 8754.98%-8742.3pp | 420.17%-407.5pp | 1369.70%-1357.0pp |
| Employer contribution / active EE | $2,744 | $3,813-28.0% | $4,933-44.4% | $2,626+4.5% |
| Participant deferral / active EE | $6,467 | $7,304-11.5% | $8,066-19.8% | $4,350+48.7% |
| Admin fee / account holder | $438 | $1,752-75.0% | $12,989-96.6% | $1,945-77.5% |