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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH - EPS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $19,646 |
Filed as: MERRILL LYNCH - PAS Service code 26 · EIN 13-5674085 | Advisory (Participants) | $13,097 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $4,072 |
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.)
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 | $73,546 | $72,994+0.8% | $120,368-38.9% | $77,671-5.3% |
| Participation rate | 21.2% | 55.2%-34.0pp | 71.9%-50.7pp | 70.6%-49.4pp |
| Annual return | 15.91% | 18.23%-2.3pp | 107.26%-91.3pp | 31.21%-15.3pp |
| Employer contribution / active EE | $652 | $1,793-63.6% | $3,465-81.2% | $2,726-76.1% |
| Participant deferral / active EE | $1,208 | $3,011-59.9% | $4,991-75.8% | $4,648-74.0% |
| Admin fee / account holder | $450 | $658-31.6% | $9,429-95.2% | $430+4.6% |