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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 · EIN 13-5674085 | Advisory (Participants) | $11,204 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $7,400 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,904 | $29,525+69.0% | $56,033-10.9% | $77,736-35.8% |
| Participation rate | 34.4% | 32.7%+1.8pp | 52.5%-18.1pp | 70.6%-36.2pp |
| Annual return | 12.06% | 18.90%-6.8pp | 1711.38%-1699.3pp | 31.26%-19.2pp |
| Employer contribution / active EE | $649 | $569+14.0% | $1,041-37.7% | $2,728-76.2% |
| Participant deferral / active EE | $997 | $1,062-6.1% | $1,954-49.0% | $4,651-78.6% |
| Admin fee / account holder | $500 | $1,040-51.9% | $2,827-82.3% | $433+15.3% |