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| Provider | Service type | Compensation |
|---|---|---|
NWPS1 year Filed as: NWPS/CDM RETIREMENT CONSULTANTS Service code 15 · EIN 91-2090931 300 EAST JOPPA ROAD, SUITE 601 · TOWSON, MD 21286 | Recordkeeping | $13,545 |
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $9,702 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $6,989 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,018 | $43,466-60.8% | $90,970-81.3% | $90,274-81.1% |
| Participation rate | 30.8% | 62.5%-31.6pp | 69.0%-38.2pp | 73.4%-42.5pp |
| Annual return | 10.68% | 25.26%-14.6pp | 134.58%-123.9pp | 53.97%-43.3pp |
| Employer contribution / active EE | $509 | $840-39.4% | $2,122-76.0% | $2,523-79.8% |
| Participant deferral / active EE | $835 | $2,138-60.9% | $3,373-75.2% | $4,231-80.3% |
| Admin fee / account holder | $78 | $92-15.6% | $5,960-98.7% | $114-32.0% |