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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH-EPS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $2,603 |
Filed as: MERRILL LYNCH - FAS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $2,403 |
Service code 15 | Recordkeeping | $1,203 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $51,033 | $65,034-21.5% | $90,970-43.9% | $79,856-36.1% |
| Participation rate | 57.4% | 61.6%-4.2pp | 69.0%-11.6pp | 69.6%-12.2pp |
| Annual return | 11.55% | 30.45%-18.9pp | 134.60%-123.0pp | 31.71%-20.2pp |
| Employer contribution / active EE | $1,097 | $1,247-12.0% | $2,122-48.3% | $2,471-55.6% |
| Participant deferral / active EE | $2,438 | $2,512-3.0% | $3,373-27.7% | $3,741-34.8% |
| Admin fee / account holder | $315 | $4,536-93.1% | $5,961-94.7% | $5,306-94.1% |