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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH LIFE AGENGY Service code 22 | Insurance Broker | $14,237 |
RETIREMENT STRATEGIES, INC.2+ years Filed as: RETIREMENT STRATEGIES, INCORPORATED Service code 13 | Contract Administrator | $2,618 |
RETIREMENT STRATEGIES, INC.2+ years Service code 13 · EIN 58-2380163 | Contract Administrator | $1,720 |
Filed as: MERRILL LYNCH LIFE AGENCY Service code 22 · EIN 13-2740599 | Insurance Broker | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,289 | $46,761-69.4% | $106,619-86.6% | $57,658-75.2% |
| Participation rate | 27.1% | 56.9%-29.8pp | 78.0%-50.9pp | 70.2%-43.1pp |
| Annual return | 8.75% | 15.77%-7.0pp | 9.42%-0.7pp | 5.13%+3.6pp |
| Employer contribution / active EE | $423 | $1,274-66.8% | $3,947-89.3% | $1,974-78.6% |
| Participant deferral / active EE | $717 | $1,954-63.3% | $3,930-81.7% | $3,061-76.6% |
| Admin fee / account holder | $5 | $97-94.8% | $6,418-99.9% | $95-94.6% |