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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 26 | Advisory (Participants) | $9,133 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $2,507 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $17,943 | $76,107-76.4% | $96,576-81.4% | $71,495-74.9% |
| Participation rate | 99.1% | 74.4%+24.7pp | 76.0%+23.1pp | 67.9%+31.2pp |
| Annual return | 28.27% | 22.81%+5.5pp | 25.87%+2.4pp | 28.85%-0.6pp |
| Employer contribution / active EE | $1,873 | $2,247-16.7% | $2,965-36.8% | $2,589-27.7% |
| Participant deferral / active EE | $1,545 | $4,218-63.4% | $4,851-68.2% | $4,291-64.0% |
| Admin fee / account holder | $183 | $2,708-93.2% | $8,253-97.8% | $1,588-88.4% |