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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $59,714 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $5,293 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $48,751 | $92,224-47.1% | $105,223-53.7% | $79,634-38.8% |
| Participation rate | 25.0% | 69.2%-44.2pp | 75.0%-50.1pp | 62.5%-37.5pp |
| Annual return | 17.94% | 88.65%-70.7pp | 180.65%-162.7pp | 36.46%-18.5pp |
| Employer contribution / active EE | $756 | $3,965-80.9% | $3,689-79.5% | $2,529-70.1% |
| Participant deferral / active EE | $1,396 | $3,834-63.6% | $5,072-72.5% | $3,835-63.6% |
| Admin fee / account holder | $508 | $1,121-54.7% | $8,859-94.3% | $1,002-49.3% |