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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $44,093 |
ASCENSUS LLC6 years Service code 15 · EIN 11-3665754 | Recordkeeping | $14,081 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $111,960 | $78,636+42.4% | $105,607+6.0% | $74,459+50.4% |
| Participation rate | 90.8% | 72.8%+18.1pp | 75.3%+15.6pp | 67.2%+23.6pp |
| Annual return | 14.52% | 15.96%-1.4pp | 116.11%-101.6pp | 1369.70%-1355.2pp |
| Employer contribution / active EE | $4,575 | $2,523+81.3% | $3,167+44.5% | $2,626+74.2% |
| Participant deferral / active EE | $6,101 | $4,322+41.2% | $5,011+21.7% | $4,350+40.3% |
| Admin fee / account holder | $431 | $2,220-80.6% | $10,958-96.1% | $1,945-77.8% |