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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC1 year Service code 15 · EIN 11-3665754 | Recordkeeping | $13,762 |
Filed as: MERRILL LYNCH RETIREMENT & BENEFIT Service code 27 · EIN 13-5674085 | Advisory (Plan) | $6,526 |
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $22,557 | $86,655-74.0% | $119,622-81.1% | $66,938-66.3% |
| Participation rate | 98.2% | 75.6%+22.6pp | 79.3%+18.9pp | 69.8%+28.4pp |
| Annual return | -16.89% | -8.00%-8.9pp | -14.98%-1.9pp | 1.58%-18.5pp |
| Employer contribution / active EE | $1,931 | $2,536-23.8% | $4,232-54.4% | $2,545-24.1% |
| Participant deferral / active EE | $4,352 | $4,358-0.1% | $5,601-22.3% | $4,238+2.7% |
| Admin fee / account holder | $168 | $755-77.8% | $10,328-98.4% | $594-71.7% |