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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $27,993 |
NWPS3 years Filed as: NWPS/CDM RETIREMENT CONSULTANTS Service code 15 · EIN 91-2090931 | Recordkeeping | $13,980 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $6,778 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $20,261 | $39,973-49.3% | $79,580-74.5% | $77,906-74.0% |
| Participation rate | 21.0% | 64.6%-43.6pp | 69.5%-48.5pp | 73.7%-52.7pp |
| Annual return | -17.06% | 3.42%-20.5pp | 0.15%-17.2pp | 12.16%-29.2pp |
| Employer contribution / active EE | $486 | $1,088-55.3% | $2,413-79.9% | $2,846-82.9% |
| Participant deferral / active EE | $798 | $2,774-71.2% | $3,985-80.0% | $4,805-83.4% |
| Admin fee / account holder | $195 | $113+72.8% | $6,835-97.1% | $133+47.2% |