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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $20,946 |
Filed as: MERRILL LYNCH Service code 17 · EIN 13-5674085 | Pension Consulting | $5,940 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,615 | $69,383-61.6% | $101,275-73.7% | $73,497-63.8% |
| Participation rate | 25.1% | 68.4%-43.3pp | 75.8%-50.7pp | 70.7%-45.6pp |
| Annual return | 16.67% | 18.46%-1.8pp | 46.48%-29.8pp | 28.51%-11.8pp |
| Employer contribution / active EE | $698 | $2,628-73.4% | $3,660-80.9% | $2,270-69.2% |
| Participant deferral / active EE | $1,085 | $3,301-67.1% | $4,371-75.2% | $3,740-71.0% |
| Admin fee / account holder | $427 | $704-39.4% | $5,948-92.8% | $513-16.8% |